Calm Sea is a web-based financial planning tool that lets you track net worth, project wealth growth, and plan retirement without linking bank accounts.
What is Calm Sea?
Calm Sea is a manual-entry financial dashboard that combines net worth tracking with forward-looking projections. You enter your assets (property, investments, super/savings, etc.) and assumptions about growth, inflation, and contributions. The tool then produces a visual dashboard of your current net worth, a projected wealth curve, and an estimated retirement date. It runs entirely in the browser and is built by the Calm Sea team.
Key Features
- Net worth dashboard — A clean, visual overview of all assets showing individual contributions and historical growth, with the ability to drill down into each asset.
- Wealth projection — Forward-looking charts that simulate how your net worth grows over time based on your assumptions, including a target retirement date.
- Scenario testing — Adjust variables like interest rates, inflation, savings rate, and expenses to see instant changes in your projected wealth and retirement timeline.
- Retirement drawdown planning — Model how you'll withdraw from retirement accounts (e.g., 401(k), super) and see how long your savings last under different spending scenarios.
- Cashflow forecasting — Input your income and recurring expenses to get a projected cashflow over months or years.
- Manual entry only — No bank linking or credential sharing; all data entered directly, keeping your financial information private and secure.
- Global availability — Works for users in the US and Europe with no country-specific assumptions; you supply your own numbers.
Who is it for?
- Individuals saving for retirement who want to know if they are on track and how many years away retirement really is.
- People with multiple scattered accounts (401(k), brokerage, property, savings) who need a single view of their total net worth and combined growth.
- Financial planners and DIY investors who want to test different contribution rates, inflation scenarios, or retirement ages without using complex spreadsheets.
What can you do with Calm Sea?
- Retirement readiness check — Enter your current assets and monthly savings, then see your projected net worth at retirement and the estimated date you can stop working.
- Scenario planning — Change inflation from 2% to 4% or add an extra $500/month in contributions and watch the retirement date shift in real time.
- Cashflow analysis — Forecast your inflows and outflows during retirement to ensure your drawdown strategy lasts.
How does it work?
- Add your assets — Manually enter your property, investments, super, savings, and any other assets. No account linking required. Takes about five minutes.
- See your net worth — A clean dashboard shows total net worth, asset breakdown, and historical growth.
- See where you're headed — Project your wealth forward based on your assumptions. Change any variable to see how your future net worth and retirement date adjust instantly.
FAQ
Is Calm Sea free to use?
Calm Sea offers a free tier — you can start tracking your net worth and create projections without paying. A paid subscription (with lifetime access option) provides additional features like unlimited scenarios and advanced reports.
Do I need to connect my bank accounts?
No. Calm Sea is entirely manual entry. You enter numbers, not credentials. This keeps setup simple and your data private.
Is Calm Sea available outside the US?
Yes. Calm Sea works globally with a primary focus on the US and Europe. You enter your own numbers and assumptions, so there is no dependency on any single country's system.
Can I cancel my subscription?
Yes, you can cancel anytime from your account settings. You keep access until the end of your billing period. Lifetime access is a one-time purchase with no ongoing commitment.
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