Pessimistic
Lower returns, higher inflation, weaker wage growth. Stress-test whether your plan survives a bad decade before you commit to it.
See your financial future, year by year.
Wealth Prognosis is a comprehensive planning system that tracks every asset you own, applies accurate taxation, and simulates your economy from today until your death date — with AI insights that explain what the numbers actually mean for you.
- Asset types
- 40+
- Tax types
- 29
- Property tax types
- 327
- Tax rules
- NO · SE · CH
Everything you need to plan a life.
From your first salary to the year you retire — model every asset, every tax, every transfer.
Year-by-year prognosis
Simulate income, expenses, mortgages, cash flow and taxes from today until your death year — across pessimistic, realistic and optimistic scenarios.
Complete Norwegian tax
Fortune tax, property tax, income tax, capital tax, pension tax, rental tax, company tax, dividend tax and the tax shield — all computed per year, per asset. Swedish and Swiss tax calculations are available in beta.
FIRE metrics
Know exactly when you can retire early. Liquidate liquid assets until zero while keeping your house, cabin, boat and car.
AI financial assistant
Ask questions in natural language — English or Norwegian. Add assets, update mortgages and get plain-language explanations powered by Google Gemini.
Mortgage modelling
Annuity loans, extra downpayments, tax-deductible interest and dynamic recalculation when your strategy changes.
Multi-tenant & secure
Team-scoped data, audit stamping and signed download URLs. Your data never mixes with another user's.
How it works.
Four steps from "I have some savings" to "here's exactly when I can retire".
-
Step 1: Configure your life
Enter birth year, wished retirement year, official pension year and expected death year. This defines your simulation horizon.
-
Step 2: Add your assets
Houses, cabins, cars, pensions, stocks, bonds, crypto, companies — with income, expenses, mortgages and change rates per year.
-
Step 3: Run the prognosis
The engine computes taxes, cash flow, asset value and FIRE metrics year by year across pessimistic, realistic and optimistic scenarios.
-
Step 4: Ask the AI
Get plain-language explanations, what-if analysis and recommendations — or export the full simulation to Excel.
Simulation engine
Three scenarios. One life.
Every prognosis runs three times — pessimistic, realistic and optimistic — so you can see how resilient your plan is before you bet on it. Every asset, every tax, every year.
Realistic
Historical averages per asset class, current Norwegian tax rules and your configured change rates. Your working baseline plan.
Optimistic
Favourable markets, strong wage growth, best-case taxation outcomes. The upside you are aiming at — modelled year by year.
What the simulation covers
- Yearly cash flow for every asset — income, expenses, mortgage, taxes
- Fortune, property, income, capital, pension, rental, company, dividend and shielding tax
- Wealth trajectory and FIRE year across every scenario
- Mortgage amortisation, extra downpayments and deductible interest
- Pension payouts: offentlig, tjenestepensjon and private savings
- Per-asset change rates — returns, inflation, maintenance, wage growth
What you can simulate
- Sell an asset in any future year
- Transfer an asset from a company to private (with realisation tax)
- Change mortgage terms, interest rate or refinance mid-plan
- Early, normal or delayed retirement side by side
- Draw down liquid assets to zero while keeping house, cabin, car and boat
- Add a new salary, pension or inheritance at any future date
Plan the next 50 years in an afternoon.
Open the dashboard, add your first asset and watch your financial future take shape.