I built a personal finance projection tool after outgrowing Excel
Another personal finance tracker competing with Monarch Money and Copilot in a saturated market.

E2E encrypted financial forecasting that replaces complex retirement spreadsheets.
Privacy-conscious individuals planning retirement or long-term financial goals
Projection Lab · NewRetirement · Google Sheets
I’m a solo dev and personal finance nerd. I had a big and complicated google sheet to project my net worth, retirement and portfolio burn down rates, but it was hard to maintain. I thought I could turn it into a web app in a weekend with Claude Code (wrong lol). It took about 3 months of weekend work, but I’m finally ready to launch.
Wealth Curve is a long-term financial forecasting tool. You enter your income, expenses, portfolios and home value and it projects your net worth year by year for as long as you want, including retirement drawdown, education expenses and one-off events.
I also wanted friends and family to try it but didn’t want to be able to see their personal financial details under any circumstance, so I went with E2E for the paid version. Every forecast model is encrypted client-side with a 4-word passphrase before it ever touches my server. Only ciphertext is stored in the DB.
Trial mode is fully local storage and doesn’t send any model data to the backend (the only network calls you might see would be Google Analytics).
You can try it without an account at https://wealthcurve.app/app/try. No signup, no email, just open the app and start forecasting.
Stack: Vue 3, Pinia, Firebase Auth + Firestore, Highcharts, WebCrypto. Marketing pages are hand-rolled static html. Firebase hosting rewrites handle the routing to static HTML pages on some routes and routing to the Vue.js index.html on everything under /app/*.
I'd love feedback from the HN community
Thanks for taking a look.
Another personal finance tracker competing with Monarch Money and Copilot in a saturated market.
Local-first finance tracker when Mint and YNAB already dominate the space.
Fills Bench's fatal gap: forward-looking cash visibility, not backward bookkeeping.
YNAB alternative with automatic bank sync, but lacks differentiation from existing fintech.
Useful calibration dataset, but it's just logged outputs without analysis tools.
Privacy-first forecasting is nice, but manual entry kills adoption when Mint exists.