# Analog Capital — Financial planning > Financial planning app using Monte Carlo simulations for realistic future projections. (iPhone/iPad app by Analog Capital AI, LLC.) - Source: https://appshunter.io/ios/app/analog-capital/id6764116269 (this page in markdown: same URL + `.md`) - Developer: [Analog Capital AI, LLC](https://appshunter.io/developer/1895647697) - Category: Finance - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 26.0 · 61 MB - Languages: American English - Released: 2026-05-21 - Data updated: 2026-08-29 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/analog-capital/id6764116269/reviews.md ## What is Analog Capital? Analog Capital — Financial Planning, Stress-Tested Most planning apps show you one rosy line into the future. Analog Capital runs thousands of Monte Carlo simulations against your real income, expenses, accounts, and goals — so you see the full range of outcomes, not just the average. Built for people who want to understand their financial life the way a planner would, without paying for one. What you can do • Project your financial future — Run full lifetime Monte Carlo simulations across retirement, home purchases, education, and major goals. See success probabilities, not just point estimates. • Model your real life — Salary, bonuses, 401(k) contributions and matches, RSUs, real estate, mortgages, property taxes, home insurance, and recurring expenses. The model reflects how money actually moves. • Plan around goals — Add retirement targets, home purchases, education funding, or anything custom. See how each goal interacts with the rest of your plan. • Refine over time — Start with a quick onboarding in minutes, then sharpen your plan piece by piece as life changes. • Get insights, not noise — Personalized insights surface what's actually moving your outcomes — savings rate, asset allocation, tax efficiency — and where small changes compound. • Link real estate to taxes and insurance — Properties, property tax, and home insurance are modeled together so the numbers line up with reality. • Chat with an AI planning copilot — Ask questions about your plan in plain English and get answers grounded in your actual simulation results. Why Monte Carlo matters A single "average return" projection hides risk. Markets don't deliver the average every year — they deliver sequences. Analog Capital simulates thousands of those sequences against your actual cash flows so you can see how often your plan succeeds, where it breaks, and what to change. Your data, your device Analog Capital is designed around your inputs, not bank screen-scraping. You decide what to model and how detailed to get. Start in five minutes. Refine for a lifetime. ## Key features - Monte Carlo simulations for financial projections - Model real-life income and expenses - Plan for custom financial goals - Personalized financial insights - AI planning copilot - Property and tax modeling ## Frequently asked questions about Analog Capital ### What is Analog Capital? Analog Capital is a financial planning application that utilizes Monte Carlo simulations to provide a comprehensive view of potential future financial outcomes. It models your real income, expenses, and goals to show a range of possibilities, not just an average projection. ### How does Analog Capital use Monte Carlo simulations? Analog Capital runs thousands of Monte Carlo simulations against your specific financial data, including income, expenses, accounts, and goals. This process generates a wide spectrum of potential future scenarios, highlighting success probabilities and potential risks. ### What financial elements can I model in Analog Capital? You can model salary, bonuses, 401(k) contributions and matches, RSUs, real estate, mortgages, property taxes, and home insurance, alongside recurring expenses. The app aims to reflect how money actually moves in real life. ### Can I set specific financial goals in Analog Capital? Yes, you can add and plan around various goals such as retirement targets, home purchases, education funding, or any custom financial objective. The app shows how these individual goals interact within your overall financial plan. ### Does Analog Capital offer personalized financial insights? Analog Capital provides personalized insights that identify key factors influencing your financial outcomes, such as savings rate, asset allocation, and tax efficiency. It helps you understand where small changes can lead to significant compounding effects. ### Is Analog Capital available on multiple devices? Based on the provided data, Analog Capital is currently supported on iPhone. Further platform availability may be updated in future releases. ### How often is Analog Capital updated? The latest version of Analog Capital is 1.12.0, and it was last updated on July 18, 2026. This indicates a relatively frequent update cycle for the application. ### Is Analog Capital free to use? Yes, Analog Capital is available for free. The provided data indicates a 'Free' price point and no in-app purchases or advertisements. ## Version history (last 5 releases) ### 1.24.0 — 2026-08-24 Watch your plan come together — the guided intake now shows its progress as it builds. Adding investments is faster, with instant search and clearer results. Tidier goal amounts on your dashboard. ### 1.23.0 — 2026-08-22 - Dashboard Goals widget — your goals now appear on the mobile dashboard, each with its type, target month, and amount, matching the web view. - Insights — insight cards drop the severity label; the whole card is now a single tap into the review. - Projection drill-down — income and cash flow lead with a per-year figure, expenses with a per-month figure, and assets with their opening balance. - Chat composer — the microphone turns emerald while recording, so it's clear when Analog is listening. - Fix — goal target dates read as "December 2039" (month and year), the same as on the web. ### 1.22.0 — 2026-08-17 Set up your plan in a guided conversation — questions are read aloud and you can just talk back. Connect your bank and brokerage accounts so balances and holdings stay up to date on their own. Add your insurance policies and legacy wishes, and see what your family would keep in every future. ### 1.19.0 — 2026-08-03 - Client email drafts: review, edit, and send emails to your clients right from chat — with any generated workbooks attached. - Declining a proposal now lets you say why, and the assistant redrafts from your note. - Plans replaced by a newer proposal are clearly marked, and finished plans stay readable. - Smoother, steadier progress animation while a plan runs. - Fixed: questions you'd already answered showed as "Declined." ### 1.17.0 — 2026-08-01 - Improved chat experience - Bug fixes --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*