Wealthos

    Compared and ranked

    The best wealth forecasting apps

    Almost all personal finance software is retrospective: it categorises what you already spent. A much smaller group projects forward — and among those, there is a real split between projecting a balance and modelling a decision. If you are trying to answer whether you can afford something, that split is the whole question.

    Prices checked August 2026. We build one of the products on this list — see how the ranking was made below.

    How this list was made

    • Only products that genuinely project forward are ranked. Trackers that merely chart history are excluded, however good they are at it.
    • Judged on three things: how far out the projection runs, whether you can model discrete events rather than smooth trends, and whether the inputs are live or typed in.
    • Bank connectivity matters here more than elsewhere — a long forecast built on stale balances is a long forecast of stale balances.
    • We build one of these. It does not win on horizon, and the entry says so.
    1. 01

      PocketSmith

      The deepest cash-flow projection available, if it can reach your banks.

      Free tier; $119.88–$319.92/yr

      Strengths

      • Projects up to 30 years on the mid tier — further than anything else here.
      • A calendar view of future cash flow that is genuinely the best in the category.
      • What-if scenarios, refined over more than a decade.
      • Native multi-currency with any base currency, and a free tier.

      Limitations

      • Automatic feeds cover the US, UK, Australia, New Zealand and Canada only — no eurozone bank connections.
      • Multi-country connections require the $199.92 tier.
      • Cash-flow shaped: you model the money, not the life event.

      The most capable forecaster on the market. If your banks are covered, start here.

      Visit PocketSmith
    2. 02

      Wealthos

      That's us

      Modelling a specific decision — a house, a move, a child — on live European balances.

      €7/mo or €63/yr; €45 one-time for the local desktop app

      Strengths

      • Life events as first-class objects on a timeline, not budget lines you adjust by hand.
      • Two whole scenarios compared side by side, which is the shape of an actual decision.
      • Built on live balances from 3,000+ EU and UK banks via PSD2 Open Banking.
      • Plan templates for a wedding, a house purchase, a baby, a sabbatical or a move abroad.
      • 46 MCP tools, so an AI assistant can run the forecast and save the plan.

      Limitations

      • A 10-year horizon against PocketSmith's 30.
      • Less granular cash-flow detail than PocketSmith's calendar.
      • No free tier, and European bank coverage only.

      Shorter horizon, better shape for decisions — and the only one here that can read a eurozone bank.

    3. 03

      Projection Lab

      FIRE planners who want to model retirement in detail and enjoy the modelling.

      Paid subscription; free demo mode

      Strengths

      • Extremely detailed long-range retirement and FIRE modelling.
      • Tax and withdrawal-strategy modelling most tools ignore.
      • A strong community and a generous demo.

      Limitations

      • Manual-first — limited automatic bank connectivity, especially in Europe.
      • A steep learning curve; this is a modelling tool, not a dashboard.

      The most powerful retirement modeller here, and the most work to use.

      Visit Projection Lab
    4. 04

      Kubera

      An accurate present-day picture of a complex balance sheet.

      Around $249/yr, no free plan

      Strengths

      • Unmatched asset breadth and real-time valuation.
      • A simple growth projection on tracked assets.

      Limitations

      • Not really a forecasting tool — no scenario modelling or life events.
      • The most expensive product here.

      Included because people ask; it belongs in a tracking list more than this one.

      Visit Kubera

    The bottom line

    Forecasting splits two ways: projecting a balance forward, and modelling a decision. Both are useful and they are not the same tool. Where your banks are decides which of these can run on live numbers rather than ones you typed in.

    PocketSmith
    For the deepest cash-flow projection — up to 30 years — if you bank in the UK, US, Australia, New Zealand or Canada.
    Wealthos
    For modelling a specific decision on live eurozone balances, with life events on a timeline and two scenarios side by side.
    Projection Lab
    For detailed retirement and FIRE modelling, including tax and withdrawal strategy, if you do not mind manual entry.
    Kubera
    For an accurate present-day picture of a complex balance sheet. Included because people ask; it belongs in a tracking list.

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