Investments and financial runway in one place
In the Investments tab you add retirement and brokerage accounts: name, account type, current value and — if you want — how much you have paid in this year. Accounts with an annual limit show how much of it is used.
The overview gained a financial runway: how many months of your current spending your liquid balances cover. Flats and houses can get an indicative valuation computed from official price indices — always labelled with its source and quarter, and always yours to accept. Your own value always wins.
Retirement: projected income next to your spending
The new Retirement tab asks for the four things that cannot be read off your transactions: year of birth, target retirement age, the state pension from your official simulator (the link is in the form), and — optionally — your expected spending. If you skip the spending, we estimate it from your transactions and say so.
In return you get the income bridge: projected monthly income, the gap against your expected spending, and a breakdown by source — the state pension plus each account separately, with a short note wherever something needs a caveat (money that unlocks later than your planned retirement, for instance).
The assumptions are visible and you can change them
Under the projection sits an assumptions panel: retirement age, real return and drawdown period. Each is one click away from changing, and the projection recomputes immediately. You also see when the assumptions were last reviewed and the real wage growth we use. Every figure is in today's money, and the projection is a single path on fixed assumptions, not a probability — we say that plainly under every projection, because this is educational material, not investment or pension advice.
Perguntas frequentes
From your country's official pension simulator — the link sits right in the form. In most European countries it is the largest single source of retirement income, so without that figure the projection is materially incomplete, and we say so.
No. It is an educational calculation built on visible assumptions and on the figures you enter yourself. We do not recommend any product or decision.
Começa a acompanhar as tuas finanças com a Martia
Liga a tua conta bancária e acompanha automaticamente gastos, planeia orçamentos e analisa tendências — tudo no mesmo sítio.
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