forvalt

Know your FI date.
Down to the month.

Track your net worth, project your future wealth, and get AI-powered advice — all from Telegram. No bank login needed.

Start tracking — free See a demo first →

Free forever · No sign-up · Your data stays private

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What is forvalt

Built for people who want to see
where their money is going

Your Full Picture

All your capital in one view. Net worth, projected growth, and the compounding effect of your investments — mapped to your exact age, month by month.

Data-first Design

Forecast vs actuals on every month. Monte Carlo simulation across 1,000 scenarios. Real-return calculations with optional tax and inflation adjustments.

AI-powered Advice

Llama 3.3 70B via Groq analyses your exact numbers — capital, goals, surplus, savings rate. Not generic templates. Specific, actionable answers.

Free forever

Powerful on its own. Free forever.

No credit card. No account. Open the app and start tracking your wealth today.

Dashboard

Am I on track? See your capital, growth trajectory, and savings rate at a glance.

Milestones

What will I have at 40? 50? 65? Year-by-year projections you can tap to expand.

Goals (up to 5)

When can I afford a house? Set up to 5 sequential targets and watch capital flow through each one.

Cash Flow Tracker

Where does my money go? Track forecast vs actual income and expenses, month by month.

Monthly Close

Am I saving more than last month? Record actuals each month and build a performance history.

Investment Engine

How fast will my portfolio compound? Set contributions and returns, see the growth curve.

Pro & Premium

Go deeper. Track everything.
Let AI guide you.

Pro unlocks unlimited tracking and planning tools. Premium adds AI-powered insights and simulations.

AI Advisor PREMIUM

Stop googling generic advice. Ask questions about your exact capital, goals, and savings rate.

Monte Carlo Simulation PREMIUM

Stop guessing if your plan works. See the probability you'll actually get there — across 1,000 scenarios.

What-If Scenarios PREMIUM

What if I earned more? Compare two income paths side by side and see the impact on your timeline.

Unlimited Goals

House, then business, then retirement. No cap — plan every major milestone in order.

FI Point Calculator

When can I stop working? Find the exact month your investment income covers expenses.

Multiple Income Sources

Side hustle? Rental income? Dividends? Track each stream separately.

AI ADVISOR

Your financial second opinion,
powered by AI

Ask anything about your finances and get specific answers based on your actual capital, goals, income, and savings rate.

Uses your live data Llama 3.3 · 14,400 req/day Premium plan only
What do I need to reach my first goal?
Your first goal is $285,000 for Real Estate by age 30. At your 23% savings rate, you're on track to reach it around age 30–31. Consider increasing monthly savings by $200 to lock it in earlier.
When will my investments cover my expenses?
Based on your current portfolio growth, your investment income should cover expenses around age 37–39. That's your Financial Independence window — when work becomes optional.
The Origin
In Swedish, förvalta means to manage something entrusted to you — your assets, your future, your legacy.

From Old Norse forvalda — to steward, to govern with care. A tradition of precision and responsibility that spans centuries of Scandinavian financial culture.

Milestones

Your wealth timeline,
year by year

Every year from today to your target age — with capital projections, income totals, and monthly breakdowns.

Example: projection for a 26-year-old earning $4,400/mo

Projected capital Year-over-year growth Monthly breakdown
Age 28
Sep 2026
$142,400
$28,100
›
Age 29
Sep 2027
$198,700
$56,300
›
Age 30GOAL
Sep 2028
$285,000
$86,300
›
Income
$52,800
Expenses
$32,400
Inv. Income
$8,940
Capital
$285,000
Age 31
Sep 2029
$368,200
$83,200
›
Age 32END
Sep 2030
$462,500
$94,300
›
Goals

One goal at a time.
Reach it, then the next begins.

Goals form a chain. Your capital flows through each one in order — buy the house first, then fund the business.

Emergency Fund
Achieved!
$10,000 · age 24
68%
Real Estate
Est. Sep 2028 · age 30
$285,000 · Must
0%
Business
Beyond analysis period
$500,000 · Dream

6 Goal Categories

Real Estate Travel Education Business Retirement Other
Try it now

See your wealth projection

Enter your age and monthly income to get an instant preview.

$0
Projected Wealth at 65
$0
Monthly Savings (20%)
Age 0
FI Point (est.)
How we compare

The only private wealth vault
with AI and projections

Feature comparison as of March 2026. Prices reflect annual plans where available.

FeatureforvaltYNABMonarchProjectionLabKubera
Wealth Projections
Monte Carlo Simulation
AI Financial Advisor
Privacy-First (No Bank Login)
No Sign-Up Required
Price / year$70–$110$109$100$129$150
Built to last

Your data. Your rules.

Privacy-First

No bank login required. You enter the numbers you choose to share.

Encrypted & Synced

Your data is securely stored and synced across devices. Optional passphrase encryption.

Zero Tracking

No ads, no fingerprinting, no selling your data. Ever.

No Sign-Up

Open the app and start instantly. No email, no password, no forms.

What our users say

Trusted by wealth builders

"finally something that doesn't need my bank login. i just enter numbers and it shows me the math. thats it. love it"
AK
Alex K.
"The monte carlo thing blew my mind. I didn't realize how wide the range of outcomes was. Now I save more aggressively."
EL
Erik L.
"runs right in telegram, no app to download. showed my wife our FI projection and she finally gets why I budget so hard"
MR
Mia R.
"Asked the AI if I could retire by 50. It said no with my current rate but showed me exactly what to change. Harsh but useful"
JT
Jordan T.
"the goal chain thing is clever. once my emergency fund filled up, it automatically started tracking the house fund"
SM
Sarah M.
"Switched from another projection tool. This one is simpler, loads faster, and costs way less for what I actually need"
CW
Chris W.
Pricing

Start free. Upgrade when ready.

No tricks. Cancel anytime from Telegram.

Free
$0
forever
  • Capital & wealth chart
  • Year-by-year milestones
  • Up to 5 sequential goals
  • Up to 3 assets
  • Monthly cash flow tracker
  • 7 achievement badges
Get Started Free
Most Popular
Pro
$7.99
per month · or $69.99/yr
14-day free trial
  • Unlimited goals & assets
  • Investment portfolio & FI tracking
  • Full cash flow history
  • One-time events
  • Advanced settings (tax, inflation)
  • CSV & JSON export
Start 14-Day Trial
Premium
$12.99
per month · or $109.99/yr
2 months free on annual
  • Everything in Pro
  • AI Financial Advisor
  • Monte Carlo simulation
  • What-If scenario analysis
  • Priority support
  • Early access to new features
Upgrade to Premium

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Built for Telegram Mini Apps

Built for Telegram.
Also works in any browser.

Open it directly from @forvalt_bot — no installation, no account, no friction. Or use the web app on any device.

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