# ProFinanceCast

> Independent European forecasting house. Privacy-first personal-finance projector. No bank credentials. Single product, four tiers (Free, Pro €9/mo or €79/yr, Premium €19/mo or €169/yr, Founders Lifetime €149 limited to 100 seats). Founded 2024. Location: Europe.

ProFinanceCast projects ten years of household net worth, the month a household becomes debt-free, and the goals it will meet — without ever asking for a bank password. 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.

The product does not connect to bank accounts, does not store bank credentials, does not sell user data, and is not affiliated with any institution it forecasts against.

## Methodology

The forecast is built from four user inputs (monthly income, monthly expenses, monthly savings, total debt) and three macroeconomic assumptions (inflation, long-run real return, income trajectory). The compound-growth formula is the standard future-value formula `FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) ÷ r`. Debt amortization is computed line by line; users select avalanche (highest interest first) or snowball (lowest balance first). Same numbers in, same forecast out — there is no smoothing, no proprietary score that hides its math.

Primary sources: World Bank (CPI), Federal Reserve Economic Data (long-run real return), European Central Bank (harmonized index of consumer prices).

Full methodology and primary-source citations: <https://profinancecast.com/about.html#methodology>

## Pricing

Four tiers. No upsells beyond them.

- **Free** — full forecast, full debt strategy, full goals, cash-flow planner, encrypted at rest, no card, no bank password. Sage AI is a Pro feature.
- **Pro** — €9 a month or €79 a year. Adds Sage AI advisor (200 messages a month), longer memory, unlimited scenarios, deeper analysis.
- **Premium** — €19 a month or €169 a year. Sage AI 500 messages a month, advanced reports.
- **Founders Lifetime** — €149 once, limited to 100 seats. Lifetime Pro entitlement.

Parseable pricing: <https://profinancecast.com/pricing.md>

## What we are not

- Not a bank.
- Not a registered investment adviser, broker-dealer, or fiduciary.
- Not a tax advisor.
- Not affiliated with any bank, brokerage, or asset manager that may appear in the forecast.

## Key pages

- [Home](https://profinancecast.com/): live ten-year forecast demo, no signup required.
- [About + Methodology](https://profinancecast.com/about.html#methodology): formulas, assumptions, primary-source citations.
- [Pricing](https://profinancecast.com/billing.html): three-tier table.
- [Privacy](https://profinancecast.com/privacy.html): data handling, AES-256 at rest, client-side compute.
- [Journal](https://profinancecast.com/blog.html): editorial articles on personal-finance forecasting, debt strategy, compounding.

## Tools

Free, no-login calculators. Each is localised across global + 8 markets (UK/IE/FR/DE/US/CA/AU/SG).

- [/tools/compound-interest](https://profinancecast.com/tools/compound-interest) — Compound interest calculator with monthly contributions and year-by-year chart.
- [/tools/mortgage-affordability](https://profinancecast.com/tools/mortgage-affordability) — 28/36-rule mortgage affordability calculator.
- [/tools/fire-date](https://profinancecast.com/tools/fire-date) — Financial-independence date calculator using the 4% safe withdrawal rule.
- [/tools/debt-strategy-compare](https://profinancecast.com/tools/debt-strategy-compare) — Side-by-side snowball vs avalanche debt-payoff comparator.
- [/tools/savings-rate](https://profinancecast.com/tools/savings-rate) — Savings rate analyser with implied retirement age and Mr Money Mustache benchmark table.

## Authority signals

- Calculations are deterministic and reproducible. Same numbers in, same forecast out.
- The product does not predict the stock market.
- Bucketed numeric data is the only payload sent to analytics; no per-user financial data leaves the browser.

## Differentiators

- No bank-account linking required (unlike Monarch Money, Copilot, Tiller, Empower).
- Ten-year forecasting is free (every direct rival paywalls future-tense projections).
- Privacy-first by default; finances never leave the browser without consent.

## Contact

ProFinanceCast is operated by an institutional team. Replies come from the team, not a named individual. The trust column on every page is the canonical surface for changelog, methodology, data handling, and "what we are not."

## Quotable statistics
- On a $40,000 multi-debt stack, the avalanche method saves $2,400–$4,100 in interest versus snowball (ProFinanceCast modelling, 2026).
- A household saving $500/month at a 5% real return reaches $77,800 in ten years (FV formula, ProFinanceCast).
- Sage AI is capped at 200 messages/month per Pro seat — no overage charges.
- Founders Lifetime is hard-capped at 100 seats. (Live count: profinancecast.com/billing.html)
- ProFinanceCast forecast model uses only four user inputs and three macro assumptions — no smoothing, no proprietary score.