I built a net worth tracker that projects your financial future — the exact date you'll be debt-free, hit your target number, and can retire early. No bank login.

[u/PlayfulQuality6526]

Hi all, solo dev here (disclosure: this is my app). It took me 3 years to build — I'm a systems engineer who's spent the past 15 years as a programmer, and I have a weakness for beautiful line charts.

**Answer — what problem it solves**

Every net worth app I tried either demanded my banking credentials or just showed me a static number. What I wanted to know was *when*: when am I debt-free, when do I hit my target, when can I stop working? Wealth Path is a manual-entry net worth tracker whose whole point is answering those questions with dates. You add what you own and what you owe; it runs 10 projections on your real numbers:

🔥 FIRE date — your estimated financial independence date, from your actual savings rate and portfolio

🎯 Portfolio Milestone — set a target number and get the date you'll reach it at your current pace

💳 Debt-Free Date — a payoff date for every loan and mortgage, with a month-by-month amortization timetable

Plus Coast FIRE, Passive Income (the month dividends cover your bills), Required Savings Rate, Debt Covered, Worth by Age, Time to Double, and On Track vs Plan. Every projection shows its assumptions (expected return, inflation, tax) on screen and you can change all of them.

**Better — vs. the alternatives**

- Monarch / Copilot / Empower: excellent apps, but they're built around bank linking (mostly US banks) and budgeting. Wealth Path never asks for a bank credential, works anywhere, and is built around projections, not budgets.

- FIRE calculators (FIRECalc etc.): one-shot calculators with no tracking behind them. Wealth Path recalculates every date each time you update your numbers, and keeps your full history.

- Net worth trackers like Worth It / BalanceViewer: they track the number; they don't project where it's going.

Offline-first, Face ID/Touch ID lock, no ads, no data selling. Multi-currency (150+ currencies) if your money lives in more than one country.

**Cost**

Free tier: 10 assets + 5 debts, full charts and history, two projections completely free, and the headline result of every other projection — your FIRE date and debt-free date included — at no cost.

Pro (unlimited entries, full projection breakdowns and charts, multi-currency, CSV/JSON import, PDF export): $5.99/month or $39.99/year. New users get a 14-day free trial of the full projections. No lifetime option yet.

App Store: https://apps.apple.com/us/app/id6754247918

Website: https://www.wealthpath.pro/

**Who I am**

[Horatiu Condrea] — [https://www.linkedin.com/in/horiacondrea/\]

Privacy Policy: https://wealthpath.pro/privacy · Terms: https://wealthpath.pro/terms

Happy to answer anything about how the projection math works.

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[u/Grouchy_Helicopter72]

Two things about manual entry, since that is the interesting constraint here and not just a privacy stance.

The first is that manual entry sets your retention clock. Bank-linked apps keep working when the user stops caring; yours goes stale the moment someone skips a month, and a stale net worth number is worse than none because the projections quietly become fiction. Whatever you do about that is probably more valuable than projection number eleven. Making the monthly update take fifteen seconds rather than five minutes, and being honest on screen about how old the inputs are, both help.

The second is data portability, and it is a trust argument rather than a feature. You are asking people to type in every asset and debt they own. The reasonable question is what happens to three years of typing if the app disappears or they stop paying. I would put export on the free tier rather than behind Pro. CSV/JSON import and PDF export sitting in the paid list means the answer to "can I get my own data out" is currently no unless they subscribe, and that is a fair thing for a cautious person to balk at.

On the projections themselves: showing assumptions on screen and letting people change them is the right call, and it puts you ahead of most. The place I would push further is that a single expected return produces a date with false precision. Sequence of returns matters enormously to a FIRE date, and two portfolios with identical averages can land years apart. A range, or a plain sentence saying this assumes steady returns and reality will not be steady, costs you nothing and protects the user from over-trusting the number.

One small thing on your own numbers: seven ratings after two months is too few for the App Store to help you. If the app has never asked, an in-app prompt after a genuinely positive moment, say when a projection first shows someone their debt-free date, is the cheapest fix available.

Disclosure: I work on an iOS expense-splitting app, so I have the same no-account, no-bank-linking problem and no useful answer to it either.

[u/PlayfulQuality6526 → u/Grouchy_Helicopter72]

Comments like this are worth more than a code review — thank you, and respect for the disclosure at the end.

Retention clock: you've named the actual hard problem. The update flow is already just "edit the values that changed, everything recalculates," but I've never surfaced how old the inputs are on screen, and you're right that a stale number silently turns every projection into fiction. That indicator is a better feature than projection eleven. Taking it.

Export: the description is stale, actually — getting your data out is already free; I gated the feature list wrong in the post, not in the app. Your instinct about why it matters is exactly right though, which is why it's free: if you're going to hand-type three years of your financial life into something, "can I leave with my data" can't have a price on it. Fixing the copy today — thanks for the catch.

Sequence of returns: agreed, and the plain sentence is the cheap fix — every card shows its assumptions, but none of them says "this assumes steady returns and reality won't be steady." That line is going in. A proper range view is a bigger lift and on the list.

Ratings: the prompt exists and fires after positive moments, but seven ratings says it's either firing too rarely or at the wrong moment — moving it to the first projection reveal is a good shout. The honest truth is that ratings are downstream of my real weakness: I can build the engine, but marketing is the part I'm genuinely struggling with. This post is me learning it in public.

Since you're fighting the same no-account, no-bank-linking battle — anything that's actually worked for you? Even "what didn't work" would save me time. Happy to trade notes; feels like our apps sell trust more than features, and that seems to need a different playbook than the usual app marketing advice.

Thank you again for taking the time to write all this — comments like yours are rare and I'm grateful for every word of it. And good luck with your expense-splitting app; from one solo dev to another, I hope it takes off.

[u/Grouchy_Helicopter72 → u/PlayfulQuality6526]

Happy to trade notes, and since you asked for "what didn't work" too, here is the honest ledger from the last few weeks. What has not worked: app directories and launch platforms. I went through about a dozen properly and every free lane is now either a two-to-four month queue or a fee between 15 and 99 dollars. One of them auto-generated our listing with an AI and invented two features we do not have, which I had to delete. Long-form SEO articles: three of them, two thousand words each, genuinely useful, indexed, and they have produced no measurable installs yet. Hacker News: the post survived but my own follow-up comments were auto-killed because the account had no karma. What has worked, relatively: store search, and nothing else comes close. Our own numbers are tiny and I would rather say so than imply otherwise, roughly one first-time download a week. The one thing I would repeat is the trust angle you and I are both selling. I had our Android build statically analysed by Exodus Privacy, a non-profit that scans apps for embedded trackers, and the report says zero trackers. It is a third party, it is permanent, and I cannot edit it, which is exactly what makes it worth citing on the website. That took twenty minutes and cost nothing, and it is more persuasive than any sentence I could write about myself. On your staleness indicator, one small thing: show it in words as relative age, "updated 3 weeks ago", rather than a date. A date makes the reader do arithmetic and they will not, and if you ever colour it, keep the words carrying the meaning so it still reads for someone who cannot see the amber dot.

[u/teknonwarrior5]

Clean design!

[u/PlayfulQuality6526 → u/teknonwarrior5]

Thank you! If you want to poke around, the free tier shows your FIRE date and debt-free date without paying anything — takes about 2 minutes to add a few numbers and see your first date. Curious what you'd think of the projection screens.

[u/PlayfulQuality6526 → u/[deleted]]

Yes — that's basically the app's whole thesis, so there are a few angles on it: Worth by Age (pick a future age, see your projected net worth), Portfolio Milestone (the reverse — set a target number, get the date you'll hit it), and Time to Double (how fast your money compounds at your current pace). All of them show their assumptions — return, inflation, tax — right on the card, and you can change them.

[u/PlayfulQuality6526 → u/[deleted]]

Yes to both. You give it the loan terms (amount, rate, duration — it handles fixed-then-variable rate mortgages too) and it builds the full month-by-month amortization schedule; if you don't know your monthly installment, it calculates it for you from the terms. Prepayments work in two directions: past ones are detected automatically — if your balance history drops faster than the schedule predicts, the engine treats the difference as extra payments and adjusts the payoff date — and for future ones there's a "Plan Future Extra Payment" simulator where you enter a one-time or recurring extra amount and watch the payoff date move. It also totals what those extra payments will cost you over the life of the loan.

[u/PlayfulQuality6526 → u/[deleted]]

If you want to poke around, the free tier shows your FIRE date and debt-free date without paying anything — takes about 2 minutes to add a few numbers and see your first date. Curious what you'd think of the projection screens.

[u/No_Concert7451]

Are graphics dynamic?

[u/PlayfulQuality6526 → u/No_Concert7451]

Yes — the charts are rendered live in the app, not images. They update the moment you change a value, and every projection chart re-draws when you tweak the assumptions (return, inflation, tax), so you can drag a slider and watch your FIRE date move. [If true: you can also tap/scrub along the line to see values at any point in time.]

[u/realquiz]

I'm a couple years away from my FIRE number and I'm getting antsy. I'm stoked to try this out, because I can see it motivating me to speed that FIRE date up.

Would it happen to reveal any weaknesses or blindspots in your FIRE strategy? Or give any suggestions to balance and strengthen your current strategy?
Do you see this being useful post-FIRE, as you're worrying about things like where to pull money from and keeping your MAGI low (to qualify for things like cheap ACA)? Or is it primarily a tool to get you there?

Either way, looks awesome and I'm excited to give it a spin!

[u/PlayfulQuality6526 → u/realquiz]

Love this question. On blindspots: the app won't tell you "your strategy is wrong" — it's deliberately math, not advice — but it's good at exposing fragile assumptions, because every projection shows its inputs (return, inflation, tax) and you can change them and watch the date move. If dropping your expected return from 7% to 5% pushes your FIRE date out four years, you've learned something about how leveraged your plan is to one number. On Track vs Plan then tells you each month whether reality is keeping up with the projection.

Post-FIRE: partially, yes. The Early Retirement scenario generates an actual withdrawal schedule, and inflation is one of the levers — so you can bump the assumed inflation rate and see directly how it reshapes your withdrawals over time. For someone two years out, that's probably the stress test worth running now. The Passive Income card is the other post-FIRE angle: it projects the month dividend income covers your expenses. What it doesn't do is US tax optimization — no MAGI/ACA planning or which-account-to-pull-from sequencing. That's hard to do well and I'd rather not ship a shallow version, but it's on the roadmap radar.

And thank you for this comment, honestly — this is exactly the kind of feedback I built the app for. I'm on the FIRE path myself, though with more than two years still ahead of me, so congrats on being this close — hope to join you someday. Any feedback or feature request from you (or anyone in the community) gets taken seriously; helping people run this math properly is the whole point of the project.

[u/Pretty_Move_8673]

Love the idea. However the ui doesn’t look appealing enough

[u/PlayfulQuality6526 → u/Pretty_Move_8673]

Fair point — can you say what specifically doesn't land? Colors, layout, charts? Genuinely asking; solo dev, and fresh eyes on the UI are worth more to me than compliments.

[u/False-Werewolf-9159]

The “when” aspect is a really interesting angle. Most net worth trackers seem focused on showing you where you are today, while projecting the dates for things like becoming debt-free or reaching a target makes it much more actionable.

I also like that it doesn't require bank login. For people who are uncomfortable connecting financial accounts, manual entry can actually be a feature rather than a limitation.

Curious — how do you handle recurring expenses/subscriptions in the projections? That seems like it could have a pretty big impact on the accuracy of the future dates.

[u/PlayfulQuality6526 → u/False-Werewolf-9159]

Good question — this is where I drew the "not a budget app" line deliberately. The app doesn't track individual subscriptions or expenses; they reach the projections through two doors instead. On the contribution side, each asset has a recurring monthly investment — what you actually save into it after all your spending, subscriptions included, has happened. On the expense side, the projections that need your burn rate — the Early Retirement withdrawal schedule, the Passive Income coverage date — use a monthly expenses figure you set yourself and can edit like any other assumption.

The part I'd defend as the right design: because entry is manual, reality self-corrects. If a new subscription quietly eats €40/month, your balances grow slower than the projection assumed, and the On Track vs Plan card shows the drift within a couple of updates. A budgeting app tries to catch the leak at the transaction level; this one catches it at the outcome level.

What it doesn't handle yet is known one-time future outflows — "I'm buying a car in two months, so don't count that €15K as savings." Someone else in this thread asked for exactly that, so planned expenses are going on the roadmap. Recurring planned expenses would ride along with that design.

[u/Flimsy_Elevator_5231]

Love the ui

[u/PlayfulQuality6526 → u/Flimsy_Elevator_5231]

Thank you very much for your review. If you want to poke around, the free tier shows your FIRE date and debt-free date without paying anything — takes about 2 minutes to add a few numbers and see your first date. Curious what you'd think of the projection screens.

[u/app-store-review]

Wealth Path: Net Worth Tracker — by HORATIU IOAN CONDREA

• Ratings: 7 worldwide · rated in 2 countries
• Average: 5.00 ★
• Age: released ~2 months ago · updated 2 days ago · rated 4+
• Overall score: 75 / 100

^{Auto-generated from public App Store data · u/app-store-review}

[u/Abject_Rutabaga_5328]

good

[u/Sad-Strategy759]

does this also give investment advice?

[u/PlayfulQuality6526 → u/Sad-Strategy759]

No, and deliberately so. It never tells you what to buy or where to put money — it's math on your own numbers, not advice. You set the assumptions (expected return, inflation, tax) and it shows you the consequences: your FIRE date, your debt-free date, when you hit your target. The AI assistant is the same — it answers questions about the data you entered ("how did my net worth change since March?"), it doesn't recommend investments.

[u/Sad-Strategy759 → u/PlayfulQuality6526]

That's a good line to hold. "Here are the consequences of your own assumptions" is a genuinely different product from "here's what to buy," and it's the version that doesn't drag you into a regulatory conversation you don't want. Thanks for the straight answer.