Get a month-by-month plan in minutes.
Start with a short guided form, or just describe your situation and let Eva set it up. The same deterministic engine runs the numbers either way. No card, no long sign-up.
Three common starting points
Calculators answer one question at a time. A loan calculator won’t tell you whether paying that loan down beats investing the same money, or whether either survives the month you also want to buy a house.
Pay off debt
One loan or several. Choose what “done” means to you: clear it fastest, pay the least interest, or get to a lower monthly payment.
Make an investment or a large purchase
A property, stocks or funds, a business, or any big purchase. Enter the cost, what you’re putting in, how it’s financed, and what you can add each month.
Balance paying down debt with investing
Set which one matters more to you and compare the trade-offs side by side.
Two ways to start
Guided form
A short, four-step form that adapts to your situation. Good if you already know your numbers.
Describe it in plain words
Say it the way you'd say it out loud: "I've got a 6% car loan and $500 a month spare, should I overpay it or invest?" Eva sets up the scenario and you review and confirm everything before any math runs.
How the planner works
Your situation
Income, what you can contribute each month, your horizon, and your currency.
Your plan
The cost, what you’re putting in, a growth assumption, the type of investment, and your payoff goal.
Loans and one-off amounts
Principal, rate, term, and any lump sums. It can order multiple loans for you (highest-rate or smallest-balance first), and you can override that by hand.
Your results
The dashboard opens on your plan, verdict first.
Inside your results
- A verdict: Feasible, a stretch, or not yet feasible, with the key numbers up top.
- Your wealth over time, month by month.
- What-if: Change one thing and see the result move.
- Loan breakdown: Every payment accounted for.
- How sure it is: What's assumed, and what you can add to sharpen it.
- Cash flow, Month by month.
- Options side by side, With what each one costs.
- Eva's read: The result explained in plain language.
Refine without starting over
Move the start date, shift the split between paying down and investing, add a detail to sharpen the confidence, or just ask Eva. The result recalculates as you go. Your original plan stays put, so you can explore without losing it.
Save and compare (optional)
You don’t need an account to run a plan; your answers stay in your browser until you choose to save. Sign in (email plus a six-digit code, no password) to keep named versions, commit to a plan, and come back each month. Your saved plans are private to your account.
Ready when you are.
Start with your situation. Jump straight into the planner, no sign-up needed.
