What happens if I buy a home in 2 years for $500k, invest 80% of my monthly net, build a side income starting at $1k/mo growing 25% for 3 years then flattening to 15% for 4 years before it dies, take a year-long sabbatical in 5 years, then add another $2k/mo app income for 3 years

Montia answers
in minutes.

And lets you play with everything — change any variable, add any event, watch the next 40 years redraw instantly.

One-time payment. No subscription. 14-day money-back guarantee.

montia.app
Real scenarios

If he stopped everything at 40, bought a $1.5M beach house, financed a $1M yacht, and withdrew $55K/mo for 60 years — he still leaves behind $28M.

montia.app

The decisions that shape your actual future are multi-variable, compounded over decades, and rapidly iterable.

Model any decision. See the outcome.

01

Add everything that matters. Income, expenses, property, investments, sabbaticals — all on one timeline, compounded over decades.

02

See the true cost before you commit. A home purchase, a year off, a career change — see the ripple effect instantly.

03

See exactly when you’re free. Set your number. Watch your investments cross the line. Not a guess — a simulation.

The questions no spreadsheet can actually answer.

The family operator

What happens if I have two kids at 34 and 37, go part-time at 40, lose 40% of my income for 8 years, then return full-time at 48 earning 30% more — do I still hit freedom by 55 without touching the college funds

The exit planner

What happens if I sell my startup for $1.2M at 42, invest 60% in index funds at 7%, use 20% to buy a rental cash-flowing $2k/mo, and spend the rest launching a new SaaS

The geo-arbitrage builder

What happens if I earn $180k for 5 more years, save 50% of it, then quit and move somewhere I live on $40k/year, with a side income starting at $800/mo growing 20% annually

The everything-at-once

What happens if I buy a house at 35 for $650k at 6.5%, have my first kid at 36 (+$15k/yr for 22 years), second at 39, my partner goes back to school at 40 (-$75k income for 3 years), I take a $30k pay cut at 42 to switch careers

Pricing

Simple pricing.

$149
One time. Yours forever.
No subscription — ever
All future updates included
14-day money-back guarantee
FAQ

Common questions.

A financial simulation tool. You model your entire financial life — income, expenses, property, investments, retirement phases — and see how it plays out over decades. Not a budgeting app. Not a calculator with 3 inputs. A full interactive sandbox.
Anyone making financial decisions that involve real money and real time. Entrepreneurs, investors, professionals with variable income, people planning property purchases, career breaks, early retirement, or just trying to understand how their decisions compound.
No. Montia never connects to your bank or reads your financial accounts. You enter your numbers manually — that's intentional.
There's a 14-day money-back guarantee — try it risk-free, and if it's not for you, email us for a full refund. There's also a demo video that shows exactly how the app works.
37 currencies. Set your primary currency when you set up your plan.
That's the point. Update your plan anytime — change an income, add an event, adjust your retirement age. Everything recalculates instantly.
Yes. Duplicate any plan and change one variable to see how different paths compare side by side.