See your net worth in 2036. Without a bank password.

No, by design. Most personal-finance apps lure you in, sell your spending data, then go bankrupt with your credentials sitting in their database. ProFinanceCast does not connect to anything — you enter your numbers manually (or paste a CSV) and they live in your browser, encrypted with AES-256 against a Web Crypto API key that never leaves the device. We could not see your bank credentials even if subpoenaed: we never receive them.

It is deterministic — same inputs always give the same forecast. The compound-growth curve uses the standard future-value formula: FV = PV × (1 + r)^n + PMT × ((1 + r)^n − 1) ÷ r. Real inflation comes from the World Bank consumer-price index for your country (refreshed quarterly). The accuracy is a function of how honest you are with your inputs — not of any opaque model. ProFinanceCast does not predict the stock market.

Your data stays in your browser locally — only the Pro features (multi-scenario, salary calc, Quarterly Report Card) gate back to Free. The forecast keeps running on the same numbers. Export everything to CSV or JSON from Settings in one click, or wipe the entire local store with a second click. The 14-day refund applies regardless of usage; email support@profinancecast.com to trigger it.

The Free plan covers the core ten-year forecast forever — no time limit, no degradation, no upsell prompts after month three. Trials are most often dark patterns, so we do not run them. If you need Pro for a single month — modelling a single job offer, say — subscribe at €9, cancel before renewal, and the next charge does not happen. Any paid plan is refundable within 14 days — email support@profinancecast.com.

No. Your financial figures run in your browser, not on our servers — they stay on the device you're holding and are never sold or used to target ads. Our analytics (Cloudflare, Plausible) are cookie-free. To keep the free calculators free, our public pages show Google ads, which set advertising cookies — but the ad network never receives your financial data. The full breakdown is in our privacy policy.

You keep your data. Cancellation gates the Pro features (multi-scenario, salary comparison, report card, higher Sage limits) and leaves the Free forecast running on the same numbers. Export everything to CSV or JSON from Settings — one button, no support ticket. If you cancel within 14 days of any paid charge, email support@profinancecast.com and the charge reverses.

No. ProFinanceCast is a deterministic forecasting tool — math, not advice. It is not a registered investment adviser, broker-dealer, or fiduciary, and nothing on the page is a recommendation to buy, sell, or hold any specific instrument. Tax figures use published statutory rates for your country; consult a licensed adviser before acting on any number. The full methodology shows every formula and assumption.

An independent forecasting house based in Europe. ProFinanceCast takes no outside money, sells no user data, and does not connect to a single bank. The free tools are funded by Google ads shown on our public pages — your financial data is never shared with the ad network. The product — three tiers, one ten-year compound-growth model — is the entirety of the offer; there is no consulting arm, no managed accounts, no upsell to a paid advisor. Read the methodology →

Once all 100 Founders Lifetime seats are claimed — or day 30 of the channel test passes, whichever comes first — the tier closes permanently. There is no extension, no waitlist, and no second cohort at a higher price. Pro at €9 monthly or €79 annual continues unchanged. The seat counter on the pricing page is the live source of truth — it polls the same PayPal webhook that gates the checkout, so it cannot drift from the actual claim count.