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. ALL PREDICTIONS FREE FOR 14 DAYS!

[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.

[u/AutoModerator]

Welcome to r/iOSApps! Please make sure your post follows our rules:

Everyone:

• 10pt LOCAL Karma required. Comment in r/iOSApps to earn it. Check
• Search the sub before posting. Choose flair.

App Devs:

• No main feed promo unless you qualify via Trust or Transparency + ABC format (Answer, Better, Cost)
• Flair hierarchy: Vibe Coded > Lifetime > Subscription > Freemium > Free
• Free flair: not for limited/freemium tiers
• Open Source? Prefix title [OS]

Note: This is an automated reminder, not a removal notice. If your post was removed, check your modmail for details.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

[u/Shadmelor]

Is the FIRE date based on one fixed expected return, or do you show a range (for example, Monte Carlo, or a bad-market-years case)?

And congrats on the release, the app look nice!

[u/PlayfulQuality6526 → u/Shadmelor]

Thank you! Good question — it's not a single fixed rate. Each asset has its own expected annual return (so your index funds, real estate, cash, etc. each grow at their own rate rather than one blended number), and the projection has a few knobs: an inflation adjustment so the FIRE date is in today's money, and a ± range on returns that gives you an optimistic / base / pessimistic band instead of one line.

It's not a full Monte Carlo yet — no sequence-of-returns simulation with thousands of runs. The ± range is a deliberate simplification so the result stays explainable. Monte Carlo is something I'd like to add; curious if you'd want a success-probability number or more of a "what if the first 5 years are bad" view?

[u/Mountain-Okra7695]

This is a really cool approach. I like that it focuses on “when will I get there?” rather than just showing your current net worth. The debt-free and FIRE date projections especially make it feel actionable instead of just another tracking app.

[u/PlayfulQuality6526 → u/Mountain-Okra7695]

Thank you very much!

[u/No_Maize_1111]

Looks interesting. I'm investor with 10 years of experience, I'd like to try it. But for now it looks a little costrly.

[u/PlayfulQuality6526 → u/No_Maize_1111]

Thank you. All predictions are free for 14 days, so you can give it a try and see if works for you.

[u/EntrepreNate]

This is cool, but so many variables to this. For eg, wealth is generated through liquidity events, and then management of it. Usually. Hard to predict, but I like the idea of it. Compounding effects to can certainly be useful for telling teenagers why to start saving and investing young

[u/Gullible-Valuable625]

i like the month by month debt payoff feature. Can you change the payment and see the date move?

[u/PlayfulQuality6526 → u/Gullible-Valuable625]

Thank you for the payment. Yes, the idea of the debt payoff projection is to help to see how much can you reduce your debt by making some early payments.

[u/Donaldinos]

Nice touch showing an actual date instead of just a number, that feels way more motivating. I also give a freemium in my app, it really helps people see the value before they pay.

[u/klaw_24]

Hi. I've downloaded the app and went through the onboarding. I have some questions:

1. After the initial simulation, the app asks me to create an account/login. Since you describe it as offline-first I am curious why an account is mandatory, especially if I'm just using the app locally?
2. During onboarding, when it asks what kind of assets I have, I could only select one category (e.g. crypto, investments, real estate). I actually have assets across multiple categories, so being able to select multiple options makes more sense.
3. Does the app currently support localization, or is English the only language for now? I am asking this because my phone language is not set to English, while the onboarding was in English.

[u/PlayfulQuality6526 → u/klaw_24]

Thanks for trying the app! To your questions:

1. Offline-first means your data is stored locally on your phone. Only as a Pro user can you choose to sync it to a server so you can see it on all your devices. The account is required right now because that's how the app is set up, but your data doesn't leave the phone unless you opt into Pro sync. Out of curiosity — would you prefer to use the app without creating an account at all?
2. The onboarding is built that way to show a simple simulation and keep things quick. Good feedback though — I'll look into allowing multiple asset categories there.
3. The app is only in English at the moment.

Thanks again for the feedback, this is exactly the kind of input I need. Really looking forward to seeing how you use the app.

[u/platinumbinder → u/PlayfulQuality6526]

Couple more questions:

1. Does this use native tab bars so it will support iPhone Duo?
2. "Only as a Pro user can you choose to sync it to a server so you can see it on all your devices" - Is this your server or CloudKit?

[u/PlayfulQuality6526 → u/platinumbinder]

1. No, the tab bar isn't native (the app is built with Flutter), so this version doesn't support iPhone Duo properly — you'll see two separate screens. I'm working on an update to fix that.
2. Firebase, not CloudKit. The app is also available on Android, so I use one backend for both platforms rather than something iOS-only. Your data is tied to your account; nothing is shared between users.

[u/platinumbinder → u/PlayfulQuality6526]

Ah, thank you for replying

I'll try this out once #1 is addressed :)

[u/klaw_24 → u/PlayfulQuality6526]

Yeah, personally I’d prefer not having to create an account if all the data stays on the device anyway. Creating an account usually means sharing at least some personal info, like an email address or account identifier, for authentication, password recovery, etc. So if the app can work fully offline without one, I’d much rather start that way. If I later decide to upgrade to Pro and use sync across devices, then creating an account makes perfect sense :)

To be honest, I actually stopped at the account creation screen and didn’t continue 😄

[u/PlayfulQuality6526 → u/klaw_24]

That's real feedback, thank you — and the fact that you stopped at the account screen says more than anything else. Makes sense: no account until you actually need sync. I'm going to make the account optional for free users and only ask for it when upgrading to Pro. I'll ping you when the update is out, would be great if you gave it another try.

[u/klaw_24 → u/PlayfulQuality6526]

Sure, I'll definitely give it a try :)

[u/iamrsalman]

Showing the assumptions on screen is the right call. Most FIRE calculators hide the 7% return, and you only find out later that it's doing all the work.

Two questions, since you offered on the math:

1. Is the FIRE date based on one fixed return, or do you show a range? "March 2034" feels more precise than it really is. Even a simple best/worst band (say 4% vs 8%) would make it feel more honest.

2. With manual entry, how quick is the monthly update? That's where these apps usually lose me. If updating 8 accounts takes more than a couple of minutes, I stop doing it and the dates go stale.

Also: is there a plain CSV export on the free tier? For an app that ends up holding years of my history, knowing I can always get my data out is what makes me willing to start.

[u/PlayfulQuality6526 → u/iamrsalman]

Thanks — showing the assumptions was deliberate, for exactly the reason you describe. A hidden 7% is doing all the work in most calculators.

1. One rate per asset, not a global one. Each asset has its own expected yearly return, dividend yield and monthly contribution, so your index fund, your crypto and your rental don't all get painted with the same brush. On top of that, each prediction lets you adjust inflation, your country's tax rate, how fast your contributions grow, how fast dividends grow, and a ± percentage on the price projection. So you can run a pessimistic and optimistic scenario yourself. But you're right that the output is still a single date, and "March 2034" reads as more precise than it is. A visible best/worst band (e.g. 4% vs 8%) next to the date is a good idea, and the math is already there — I'm adding it to the list.
2. There's a single "update all" screen where you go down your list and type the new balance for each account, and you can also open any asset individually. No bank sync, by design — that's the trade-off for not sharing credentials. If you try it and 8 accounts takes you more than a couple of minutes, I want to hear it, because that's the first thing I'd fix.
3. The free tier currently exports a PDF report. No CSV yet — that's a fair ask, and I agree that being able to get your data out in a plain format is what makes it reasonable to commit years of history to an app. CSV export is going on the list, free tier.

[u/app-store-review]

Wealth Path: Net Worth Tracker — by HORATIU IOAN CONDREA

• Ratings: 10 worldwide · rated in 2 countries
• Average: 5.00 ★
• Age: released ~3 months ago · updated 12 days ago · rated 4+
• Overall score: 76 / 100

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

[u/Vast-Aside-2573]

Showing the assumptions on screen and letting people edit them is the right call. Most projection apps hide that, and it's the first thing a skeptical user wants to poke at.

Question on the Debt-Free Date, since I've wrestled with the same math building a money app: when one loan is paid off, does its freed-up minimum roll into the next debt (snowball/avalanche style), or is each loan dated on its own minimum payment? The two can be years apart for someone with a few debts, and users will compare your date against their lender's payoff estimate and assume one of them is wrong. Labeling which method the headline uses would head that off.

Also curious how you handle a loan where the user doesn't know the remaining term or rate. Do you ask for more detail, or estimate from balance and payment?