A quiet European forecasting house

Last revised 2026-05-10

ProFinanceCast projects ten years of personal-finance numbers without ever asking for a bank password.

Built for people whose financial lives do not fit inside a single country or a single bank's app. The ledger runs in your browser. Nothing leaves your desk.

About ProFinanceCast

ProFinanceCast is built by a small, multidisciplinary team operating independently from Europe — software engineering, consumer-finance research, and editorial design under one roof. The product projects ten years of net worth, the month a household becomes debt-free, and the goals it will meet — without connecting to any bank account. Calculations run in the reader's browser. Nothing in the projection leaves the device unencrypted, and the projection is encrypted before it touches any server.

There is one product, three tiers — Free, Pro at €9 a month or €79 a year, Premium at €19 a month or €169 a year, and a Founders Lifetime tier at €149 capped at 100 seats. No upsells beyond them. ProFinanceCast does not store bank credentials, does not sell user data, and is not affiliated with any institution it forecasts against.

The team behind the forecast

ProFinanceCast is a small, independent operation. The work spans three disciplines, each accountable for a different part of the product:

• Consumer-finance research. Reads the public macroeconomic record — World Bank, FRED, ECB — and translates it into the inflation curves, real-return baselines, and amortization schedules the model uses. Every assumption is documented in the methodology below.
• Software engineering. Maintains the in-browser forecasting engine, the AES-256 encrypted local-storage layer, and the privacy-by-design architecture that keeps customer numbers on the customer's device. No bank credentials are ever requested, stored, or transmitted.
• Editorial design. Writes the methodology in plain language, builds the editorial register the site reads in, and keeps the product jargon-light without dumbing the math down. The same numbers in produce the same forecast out.

The team operates independently of any bank, brokerage, or asset manager. There is no outside funding from a financial institution. Subscription revenue from customers — Free, Pro, Premium, and Founders Lifetime — is the only revenue line on the books.

Methodology

Each forecast is built from four user inputs — monthly income, monthly expenses, monthly savings, and total debt — and three macroeconomic assumptions: an inflation rate, a long-run real return, and a static income trajectory unless the reader varies it on the dashboard.

The compound-growth curve uses the standard future-value formula:

where PV is starting net worth, PMT is monthly savings, r is the monthly real return (annual real return divided by twelve), and n is the number of months in the horizon. Inflation is applied to expenses each month using a published consumer-price index for the reader's reporting currency, fetched fresh on each forecast and cached for one day.

Debt amortization is computed line by line: each debt carries its own balance, rate, and minimum payment, and ProFinanceCast simulates either the avalanche order (highest interest rate first) or the snowball order (lowest balance first), whichever the reader selects on the dashboard. The same numbers in produce the same forecast out, every time. There is no smoothing, no scenario-mixing, and no proprietary "score" that hides its math.

Primary sources

• World Bank — consumer-price index, country-level (api.worldbank.org)
• Federal Reserve Economic Data — long-run real return baseline (fred.stlouisfed.org)
• European Central Bank — harmonized index of consumer prices (ecb.europa.eu)

What we are not

• Not a bank. ProFinanceCast does not hold deposits, issue credit, or move money.
• Not a registered investment adviser. Forecasts are educational projections, not personalized advice. Consult a licensed adviser before acting on any figure shown.
• Not a broker-dealer or fiduciary. No transactions are facilitated through this product.
• Not a tax advisor. Tax assumptions are illustrative; jurisdictional rules are the reader's responsibility.
• Not affiliated with any bank, brokerage, asset manager, or other institution that may appear in the forecast.
• Not available in jurisdictions where the operation of an unlicensed financial-projection tool is restricted. Local applicability is the reader's responsibility.

Changelog