Estimal: Money Planner

Oktalon

About this app

Estimal is a simple personal and family budgeting tool and finance simulator that helps you estimate how your money may evolve over time.

Build a long-term wealth projection from the numbers that shape everyday financial life: income, expenses, investing, inflation, pension expectations, retirement age, and portfolio growth. Adjust your assumptions and see how your projected wealth path changes toward retirement and beyond.

Use Estimal to explore practical questions:

- Am I on track for the retirement age I want?
- How could inflation affect my future expenses?
- What happens if my monthly costs rise?
- How much could regular investing change my long-term outlook?
- Will my income, pension, savings, and investments support my future lifestyle?

Key features:

- Long-term wealth projection chart
- Retirement age simulation
- Monthly income and yearly extra income inputs
- Expected pension amount and pension start age
- Cash reserve and monthly investment limit
- Expected investment growth and income growth
- Inflation modeling for future living costs
- Detailed recurring expense categories
- Daily, weekly, monthly, quarterly, yearly, 5-year, and 10-year expenses
- Optional end dates for temporary expenses such as mortgage, school, or child-related costs
- Yearly income, expense, and balance comparison
- Simple mobile-first financial planning experience

Estimal includes common expense areas such as groceries, housing, mortgage, utilities, car costs, transport, children, healthcare, insurance, vacations, subscriptions, clothing, education, bank fees, and other personal expenses. You can enable the items that apply to your life, change their amount and frequency, and use the result to create a more realistic long-term money estimate.

The app is designed for people who want a clearer view of their financial future without building a complicated spreadsheet. Estimal helps make personal finance, investing assumptions, pension planning, and retirement planning easier to understand through one visual projection.

Estimal is not a bank, broker, investment advisor, tax advisor, or legal advisor. The projection is illustrative and depends on the assumptions you enter. It does not guarantee future results or replace professional financial advice.

What’s new

Simplified chart, more languages and currencies, expenses overview (grouped or ungrouped)