Type four numbers. See your debt-free month, your net worth in 2036, and which goals make it.
Drag the sliders. The compound-growth curve re-projects in real time.
The numbers your grandfather worked on a ledger — now computed in your browser.
No bank login. No broker. No spreadsheets to maintain. You bring your numbers; the model compounds them forward, month by month, with a published consumer-price index for inflation and the published rate on each debt — and shows the work.
Income, debts, recurring bills, savings goals, target country. Type them once or paste a CSV. Everything stays in your browser, encrypted.
Our model projects every month for the next year. Real inflation pulled from the World Bank for your country. Real interest on every debt. Goals projected to the exact month you'll hit them.
Try a scenario: pay €200 more each month on the highest-rate debt. Save 5% extra. Cancel one subscription. Watch your debt-free date jump three months earlier — instantly.
Forecast, debt, goals, recurring spend, salary and an in-context advisor — every one of them sharing the same set of your numbers, so a change in one place propagates through the others without a re-export.
The headline number — where you'll be in three, six, twelve months. Month by month, with compounding interest, the published consumer-price index for inflation, and your real spending — all on the page so you can audit the figures.
To the exact month. Avalanche or snowball — whichever frees you faster — modelled against the published rate on each balance, including the slow-burn ones (29.99% store cards) most planners skip.
Target €20,000 by August? We show you the exact month you'll hit it at your current rate — then surface the shortest path: €145 more saved per month, or one cancelled subscription, or a single 0.5% rate cut on your highest-rate debt.
Flags every subscription before it auto-renews — including the unannounced price hikes that quietly add up to €312 a year on a typical European household. Tagged by category, exportable to CSV, dismissible per row.
An AI that holds your full picture in context. Ask questions about your numbers — "when do I clear the car loan?" — and get an answer in plain English, with the formula it used and a one-line caveat where the answer changes by jurisdiction. Sage explains the math; it never recommends a specific investment.
AES-256 in the browser, on a Web Crypto API key never sent to a server. Zero bank credentials, zero third-party trackers, zero cross-domain pixels. Delete everything in one click — settings to wipe.
Pro mails you a Quarterly Report Card every three months — what changed, what’s on track, what to watch — built from your numbers and written in plain language. Here’s what it looks like.
It maintains itself.
Spreadsheets don’t pull live inflation or interest rates, they break the moment you change one cell, and you maintain them forever. ProFinanceCast fetches a published consumer-price index and real debt rates, runs avalanche and snowball automatically, and returns the same forecast every time — nothing to keep up.
It looks forward, not back.
Your bank shows you what already happened and wants your attention for the next cross-sell. ProFinanceCast projects ten years ahead, asks for no bank login, and sells you nothing but the forecast itself.
There’s no link to leak.
Apps that aggregate your accounts hand a third party live, read-only access to your bank. We made the opposite choice on purpose — you type your numbers, so there is no banking connection to compromise.
You type your numbers. There’s no account link to compromise — ever.
AES-256 before anything reaches our servers; TLS 1.3 in transit.
Your figures are never sold and never train AI. No ads inside the app.
Funded by subscribers, not investors. We answer only to the people who pay for the product.
Founders Lifetime — 100 seats, €149 once. · Read our security commitments →
Free covers the ten-year forecast forever, with no time limit and no degradation. Pro is for households running multiple scenarios in parallel — a job offer, a relocation, a paid-off mortgage. Cancel any time — refund within 14 days, email support@profinancecast.com.
14-day refund on any paid plan — cancel from Settings and email support@profinancecast.com to trigger the refund. Free covers the ten-year forecast forever, with no time limit. Prices shown are inclusive of VAT where applicable.
Order your debts by interest rate, pay the highest first. We model the math on a $40,000 stack and compare it to snowball.
Stock-picking is hard. Index investing is the calm, well-evidenced alternative — and the math behind it.
Income tells you how fast you're earning. Net worth tells you whether any of it is adding up.
No, by design. Most personal-finance apps lure you in, sell your spending data, then go bankrupt with your credentials sitting in their database. ProFinanceCast does not connect to anything — you enter your numbers manually (or paste a CSV) and they live in your browser, encrypted with AES-256 against a Web Crypto API key that never leaves the device. We could not see your bank credentials even if subpoenaed: we never receive them.
It is deterministic — same inputs always give the same forecast. The compound-growth curve uses the standard future-value formula: FV = PV × (1 + r)^n + PMT × ((1 + r)^n − 1) ÷ r. Real inflation comes from the World Bank consumer-price index for your country (refreshed quarterly). The accuracy is a function of how honest you are with your inputs — not of any opaque model. ProFinanceCast does not predict the stock market.
Your data stays in your browser locally — only the Pro features (multi-scenario, salary calc, Quarterly Report Card) gate back to Free. The forecast keeps running on the same numbers. Export everything to CSV or JSON from Settings in one click, or wipe the entire local store with a second click. The 14-day refund applies regardless of usage; email support@profinancecast.com to trigger it.
The Free plan covers the core ten-year forecast forever — no time limit, no degradation, no upsell prompts after month three. Trials are most often dark patterns, so we do not run them. If you need Pro for a single month — modelling a single job offer, say — subscribe at €9, cancel before renewal, and the next charge does not happen. Any paid plan is refundable within 14 days — email support@profinancecast.com.
No. Your financial figures run in your browser, not on our servers — they stay on the device you're holding and are never sold or used to target ads. Our analytics (Cloudflare, Plausible) are cookie-free. To keep the free calculators free, our public pages show Google ads, which set advertising cookies — but the ad network never receives your financial data. The full breakdown is in our privacy policy.
You keep your data. Cancellation gates the Pro features (multi-scenario, salary comparison, report card, higher Sage limits) and leaves the Free forecast running on the same numbers. Export everything to CSV or JSON from Settings — one button, no support ticket. If you cancel within 14 days of any paid charge, email support@profinancecast.com and the charge reverses.
No. ProFinanceCast is a deterministic forecasting tool — math, not advice. It is not a registered investment adviser, broker-dealer, or fiduciary, and nothing on the page is a recommendation to buy, sell, or hold any specific instrument. Tax figures use published statutory rates for your country; consult a licensed adviser before acting on any number. The full methodology shows every formula and assumption.
An independent forecasting house based in Europe. ProFinanceCast takes no outside money, sells no user data, and does not connect to a single bank. The free tools are funded by Google ads shown on our public pages — your financial data is never shared with the ad network. The product — three tiers, one ten-year compound-growth model — is the entirety of the offer; there is no consulting arm, no managed accounts, no upsell to a paid advisor. Read the methodology →
Once all 100 Founders Lifetime seats are claimed — or day 30 of the channel test passes, whichever comes first — the tier closes permanently. There is no extension, no waitlist, and no second cohort at a higher price. Pro at €9 monthly or €79 annual continues unchanged. The seat counter on the pricing page is the live source of truth — it polls the same PayPal webhook that gates the checkout, so it cannot drift from the actual claim count.
Four numbers in. Ten years out. Free forever — no bank login, no card on file, no email confirmation before you see the chart.
Run the forecastNumbers stay in your browser. Cancel from Settings — paid plans refundable within 14 days (email support@profinancecast.com).
