Analog Capital

Analog Capital — Financial Planning, Stress-Tested

Most planning apps show you one rosy line into the future. Analog Capital runs thousands of Monte Carlo simulations against your real income, expenses, accounts, and goals — so you see the full range of outcomes, not just the average.

Built for people who want to understand their financial life the way a planner would, without paying for one.

What you can do

• Project your financial future — Run full lifetime Monte Carlo simulations across retirement, home purchases, education, and major goals. See success probabilities, not just point estimates.

• Model your real life — Salary, bonuses, 401(k) contributions and matches, RSUs, real estate, mortgages, property taxes, home insurance, and recurring expenses. The model reflects how money actually moves.

• Plan around goals — Add retirement targets, home purchases, education funding, or anything custom. See how each goal interacts with the rest of your plan.

• Refine over time — Start with a quick onboarding in minutes, then sharpen your plan piece by piece as life changes.

• Get insights, not noise — Personalized insights surface what's actually moving your outcomes — savings rate, asset allocation, tax efficiency — and where small changes compound.

• Link real estate to taxes and insurance — Properties, property tax, and home insurance are modeled together so the numbers line up with reality.

• Chat with an AI planning copilot — Ask questions about your plan in plain English and get answers grounded in your actual simulation results.

Why Monte Carlo matters

A single "average return" projection hides risk. Markets don't deliver the average every year — they deliver sequences. Analog Capital simulates thousands of those sequences against your actual cash flows so you can see how often your plan succeeds, where it breaks, and what to change.

Your data, your device

Analog Capital is designed around your inputs, not bank screen-scraping. You decide what to model and how detailed to get.

Start in five minutes. Refine for a lifetime.