Know when you have enough.
Enough is a private wealth planner for the whole picture: what you own, what you owe, where it is heading on your assumptions, and an estimate of when you could stop working. No account. No bank login. Your financial data stays on your phone.
YOUR NET WORTH, IN ONE PLACE
Add every account, fund, pension, property, car or crypto wallet as a holding, with debts alongside. Today leads with your net worth and how it has moved since your last reading.
• 22 built-in asset types, plus your own
• Unlimited holdings and debts, free
• A value history for every holding
MONEY IN IS NOT GROWTH
Paying into a fund raises your balance and your cost together, so it never shows up as a gain. Transfers are logged and can be undone.
YOUR BASE, FIRST
Cash you can reach, a full emergency fund, and money actually invested. Each target comes from your own essential spending and minimum debt payments, and Today shows which step to work on next.
A HEALTH SCORE THAT SAYS WHY
Emergency fund, savings rate, debt load, diversification, liquidity and independence in one score, each explaining the number behind it.
SEE WHERE IT IS HEADING
A month-by-month projection of everything you hold, each holding under its own rules, also shown in today's money after inflation. Touch the chart to read any year.
WITH ENOUGH PRO
• Projections up to 50 years, with contributions, returns, inflation and the age you stop working on sliders
• A range, not a promise: hundreds of simulated markets show the bad decade as well as the typical one
• Your independence number and when you could stop working, counting only money you can actually reach
• The pension bridge: living on reachable money until a locked pension opens
• Where the next €100 should go: a priority order for what is left after living costs, with the reason for each step, and debt sorted by a common rule of thumb so a cheap mortgage never swallows the plan
• Unlimited dated goals, with the monthly amount each takes
• Scenarios such as "bad decade" or "stop at 50", compared side by side
• Several currencies, fees, yield, fixed terms and unlock dates
• Portfolio review, diversification review and CSV export
WHO IT IS FOR
Savers and investors who want one honest answer to "when is it enough?", and anyone who will not hand a bank login to an app. Not a receipt-by-receipt budgeting app.
PRIVATE BY DESIGN
• No account or sign-up. Setup is two questions, or start from a worked example
• No bank connection. You enter your own figures
• Works fully offline. The only connection checks your Pro subscription; none of your figures go with it
• Face ID or fingerprint lock, and an optional monthly reminder to update your values
• Backup and restore to a file you keep, free with no time limit
• Delete all data in Settings at any time
FREE MEANS FREE
Tracking is free with no time limit and no trial: unlimited holdings, your base, the health score, income and spending, a 10-year projection, one goal and backups. Pro adds long-range planning. If Pro ends, nothing you entered is deleted or hidden.
SUBSCRIPTION
Enough Pro Monthly and Enough Pro Yearly are auto-renewable subscriptions; the app shows the price in your currency before you buy. Payment is charged to your Apple ID at confirmation. The subscription renews unless cancelled at least 24 hours before the period ends, and renewal is charged within the 24 hours before. Manage or cancel in your App Store account settings.
NOT FINANCIAL ADVICE
Enough is an informational tool. Projections are hypothetical estimates on the figures and assumptions you enter, not predictions or guarantees; real returns, inflation and tax will differ. Nothing in the app is financial, investment, tax or pension advice, and BALS DIGITAL SRL is not a licensed or regulated financial adviser. For decisions about your money, consult a professional.
Questions? Reach us from Settings → Contact us.
Terms of Use: https://wealthplanner.balsdigital.com/terms
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