WealthSnap vs Varallisuuspolku

WealthSnap shows everything you own and owe in one place, and how it changes over time. Add your accounts yourself: cash, savings, stocks, ETFs, crypto, gold, pension, property, vehicles, loans and credit cards. There is no bank login and no account linking. You enter the numbers, and they stay yours. EVERYTHING IN ONE TOTAL • One net worth figure across every account and currency • Accounts grouped by category, with assets and liabilities side by side • A net worth chart built from the snapshots you take INVESTMENTS • Record buys, sells, deposits, withdrawals and dividends for each position • Prices for stocks, ETFs, crypto and metals (live with PRO; free: updated about once an hour) • Track cold wallets and offline holdings without connecting anything EVERYDAY MONEY • Log expenses and income by category • Keep accounts in different currencies and see one total in your own WEALTHSNAP PRO An optional subscription unlocks: • Your real profit: cost basis, average price, gains, fees and currency effect • Live prices and a Markets watchlist • Charts for every account, over any date range • Unlimited snapshots and check-ins (free: 2 snapshots a month, one check-in a week) • Budgets: a monthly limit, category caps, pace and breakdowns • Transfers, swaps and loan pay-downs • Unlimited recurring schedules (free: one active schedule) • Invest, Budget and Available Cash in the currency you choose • iCloud sync between your devices, restore and a full export file • Five more themes, each in light and dark • Priority support Payment is charged to your Apple Account. The subscription renews automatically unless you cancel at least 24 hours before the end of the current period. You can manage or cancel it in your Apple Account settings. Privacy policy: https://craftingbytes.eu/wealthsnap-privacy.html Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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.