# Varallisuuspolku — Draw your path to wealth

> Draw your path to wealth (iPhone/iPad app by Olavi Kurola.)

- Source: https://appshunter.io/ios/app/varallisuuspolku/id6798374499 (this page in markdown: same URL + `.md`)
- Developer: [Olavi Kurola](https://appshunter.io/developer/6798374501)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 15.0 · 5 MB
- Languages: Finnish
- Released: 2026-08-12
- Data updated: 2026-10-09
- User reviews in markdown: https://appshunter.io/ios/app/varallisuuspolku/id6798374499/reviews.md

## What is Varallisuuspolku?

Varallisuuspolku is a lifetime financial planning tool made in Finland — you don't fill in a form, you draw your plan. Drag the curve with your finger: when you retire, how much you save, what happens if you buy a home or a child joins the family. With every stroke the app runs thousands of market paths and shows how likely your money is to last.

BUILT FOR FINLAND — IN ENGLISH
If you live in Finland, generic international calculators miss the things that decide your outcome: earnings-related pension, capital income tax, the deemed acquisition cost, and Finnish account types such as the equity savings account (osakesäästötili). Varallisuuspolku models them natively — in English.

WHAT THE APP DOES
• Drawing board: edit your plan directly on the curve — try a decision before you make it
• Question library: "Can I afford to retire at 60?", "What if I'm unemployed for a year?" — ready-made what-ifs with one tap
• Monte Carlo simulation: a success probability from thousands of random market paths, not the false certainty of a single curve
• Finnish modelling: earnings-related pension, capital income tax, deemed acquisition cost, investment accounts (equity savings account / book-entry account)
• Life events: a home with its loan, children, cars, renovations, sales, a shared family plan
• Goals with a confidence level: "retire with 85% certainty" — the app solves the required savings, the retirement age or a sustainable monthly income
• My Plan document: your whole plan and its assumptions as readable text you can take to your bank or advisor
• Multiple plans: name and keep alternatives, and compare them as a ghost curve on the same chart
• Annual table: every figure year by year, exportable as CSV
• Stats: how others plan their wealth building — open data
• Pro mode: professional-grade controls and deeper analyses

APP EXTRAS
• Progress tracking: log your actual net worth monthly and see whether you are on, ahead of or behind your plan
• Home screen widget: your plan's status at a glance
• Reminders (optional): a monthly check-in and your plan's own events — "this was supposed to happen now, did it?"
• App lock (optional): Face ID, Touch ID or your device passcode
• Quick actions: long-press the app icon to jump straight to Ask AI, Progress or My Plan

TULKKI — AI THAT EXPLAINS, NEVER ADVISES
Ask why your numbers look the way they do. Tulkki explains your own plan and its assumptions in plain language. It does not recommend products and does not predict returns. Your question leaves the device only when you ask — the rest of the app works offline.

PRIVACY FIRST
All calculations and data stay on your device, and the app works offline. No account, no sign-up, no ads, no tracking. Nothing is sent anywhere without a separate action of your own.

Varallisuuspolku is not investment advice: it shows and explains the consequences of your own assumptions, but it does not recommend products or promise returns. The calculation model and its assumptions are openly documented at varallisuuspolku.com.


## Version history (last 3 releases)

### 1.2 — 2026-09-06

Will the money last? The answer is now the first number you see.

• Try life with one tap: "Can I afford to retire at 60?", "What if I'm unemployed for a year?", "What if I inherit?" — undo restores.
• More accurate calculation: taxes, transfer tax and take-home pension — and your pension now follows your retirement age if you stop working before pension age.
• New in your plan: an income gap (unemployment, parental leave, sabbatical) and a fixed-rate loan option. In Pro, a rising-rates stress test too.
• A shared link is half as long, and whoever opens it gets a clear welcome.

All calculations stay on your device — no account, no tracking.

### 1.1 — 2026-08-23

Varallisuuspolku now speaks English.

The whole app is translated: the drawing board, Finnish pension and tax modelling, life events, the annual table, progress tracking, the Tulkki explainer and the home screen widget. Switch languages at any time from the Language row under the More tab. Finnish remains the default — nothing changes unless you switch.

Also in this version:
• The chart's age cursor now works with touch on both charts: drag horizontally to move the cursor, vertically to scroll as before
• The interest allocation slider now responds even when you hold no cash — equity and interest weights flex symmetrically and still total 100
• Fixed the chart tooltip in the light theme
• Small refinements to form layout and the More menu

All calculations still run entirely on your device: no account, no tracking.

### 1.0 — 2026-08-12

No release notes.

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*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 2026-10-09.*