Hyperbeat Pay vs WealthSim

Hyperbeat: Crypto Wallet & Card Hyperbeat is a self-custodial crypto wallet and spending app. Manage your digital assets and spend anywhere in the world with a crypto-backed Visa card, secured by a passkey with no seed phrases required. Crypto-Backed Visa Card: Fund your card with the crypto assets already in your portfolio and spend at any merchant worldwide. Switch between credit and debit spending modes, set your own spending cap, and freeze or unfreeze your card instantly from the app. Earn cashback on every purchase, with tiered boosters for active users. Passkey Security: No Seed Phrases Your assets stay in your control at all times. Sign in with a passkey, the same technology that secures your Apple ID, instead of a 12-word seed phrase. No custodian holds your funds. Multi-Chain Deposits: Deposit over 15 crypto assets from any major blockchain. Connect an external wallet via WalletConnect, bridge from Arbitrum, Base, or Ethereum, or send directly from a hardware wallet. Supported assets include USDC, USDT, ETH, BTC, SOL, HYPE, and more. Savings Balance: Convert your stablecoins into a savings balance that works for you automatically. Withdraw any time with no lock-up. Spending Analytics: Track your card spend by category: groceries, dining, transport, entertainment, and more. View top merchants, cashback earned, and spending trends over 7, 30, or 90 days. Portfolio Dashboard: View your complete portfolio in one place. Track your balance history over time with interactive charts and see exactly how your assets are allocated. Quick Identity Verification: Verify your identity in under 5 minutes to unlock your card and full account features.

How much will you have if you invest every month? WealthSim answers in one line, shows how much of it you put in and how much interest adds, and helps you stay on track month after month. The calculator, My plan and saved scenarios are free. CALCULATE • Starting amount, monthly contribution, years and expected return, with sliders or exact figures • Your result first: "In 2046 you'll have…", split into what you contribute and what interest adds • Yearly bars that mark the year interest overtakes your contributions • Fees and inflation, with the result in today's money • Illustrative return assumptions for 5, 10, 20 and 30 years • Contribute monthly, every two weeks or weekly, raise it a set percent each year, or add a one-off amount in any year • Export the year-by-year table as CSV, next to the image and PDF MY PLAN • Turn any projection into a goal with a target amount and date • Log your real balance each month and compare it with the route • If you fall behind, see how much extra per month brings you back • Coast FIRE: how much you need invested today to stop contributing and still reach your goal, and the month you can stop • A reminder on your contribution day and a monthly summary after each check-in: months ahead or behind, your streak and the next milestone • Free small Home Screen and Lock Screen widgets with your plan • Upcoming milestones and an optional monthly reminder SAVE AND SYNC • Save, search and reopen scenarios • Private iCloud sync across your devices, no account needed WEALTHSIM PRO • 100 futures: your plan replayed 10,000 times with real US market years since 1928, so you see how often you reach your goal and the bad, usual and good outcome • The harvest: how long a withdrawal lasts with a fixed amount, the 4% rule or guardrails that cut or raise spending • What if…? Try +50 or +100 a month or one or two more years before you change your plan • Compare up to three projections side by side • PDF report and clean images to share • Medium and large widgets: your real balance against the route, the arrival date and 100 futures, with a Log balance button • Shareable milestone cards without the WealthSim footer • Unlimited plans • No ads The free version shows ads. Pro is a one-time lifetime purchase, or an annual or monthly subscription. SUBSCRIPTIONS Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period, and the renewal is charged within the 24 hours before it ends. Manage or cancel your subscription in your Apple Account settings. If you bought Remove Ads before, you keep an ad-free app. WealthSim projections and simulations are illustrations for educational purposes, not forecasts. They are not financial, investment, tax or legal advice. Actual returns, fees, inflation and losses may differ. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Additional Terms: https://www.wealthsim.app/terms Privacy Policy: https://www.wealthsim.app/privacy Support: https://www.wealthsim.app/contact