Your whole financial life in one view: money in (paychecks), money out (expenses), and where it sits (chequing, savings, TFSA, investments, dividends). See your monthly surplus and exactly where your net worth is headed. Nothing is saved — it all stays in your browser.
Each account: what's in it now, the growth you expect, and how much of your monthly surplus you put in. (Chequing usually 0% growth / 0% in; investments grow ~7%.)
AccountBalanceGrow %% in
Import from a statement (CSV) — stays in your browser
Paste a CSV export from your broker or bank (a column of names/tickers + a column of values/balances), or pick a file. It is parsed right here on your device — nothing is uploaded or saved.
4. What you owe
Debts — credit card, car loan, student loan, mortgage. Put the balance, its interest rate, and what you pay each month. As each debt clears, its payment automatically rolls into your investing (the snowball) — leave this empty if you're debt-free.
DebtBalanceRate %$ / mo
Where you're headed
Projectyears
% inflation
Net worth now
$0
Net worth in 20 yrs
$0
Money working for you then
$0
Your net worth over time (assets minus debts) — growth, plus what you keep adding from your surplus, plus the debt payments that free up as you pay things off.
Financial freedom
Your freedom number
The nest egg where your investments can cover your living costs — for good. Based on a % safe yearly withdrawal (4% is the classic rule of thumb). Debts are excluded — they get paid off.
Your number
$0
On track to reach it in
—
How close you are0%
Coast-FI — the “you can stop” milestone
Years until you'd want the option to retire:
Coast number
$0
Go deeper (optional) — your time, and lifestyle creep
Money is hours of your life
Hours you work per week: . Your real hourly worth: $0/hr.
Your living costs take about — of your life. Once you hit your freedom number, your money buys that time back — it works the hours so you don't have to.
What would something cost in life-hours? $
The lifestyle-creep test
The silent freedom-killer: when income rises and you spend the raise, your freedom number rises too — so you never catch it.
Say you get a raise of $/mo:
Make the investing part real
Once you know your surplus, plan the income it can buy and find the reliable payers behind it.
Educational planning tool, not financial advice. It compounds the simple assumptions you enter (growth rates, contributions, debt rates) and pays your debts down month by month, rolling each freed payment into investing; it can also show everything in today's dollars (inflation). Real life varies, returns aren't guaranteed, and it still simplifies taxes — use it to build intuition for your trajectory, not as a precise forecast. Nothing you type is sent anywhere or stored — it lives only in this browser tab. Dragonfly Lens is not a registered investment advisor.