Total Assets − Total Liabilities · click any name to rename
Total Assets
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Total Liabilities
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Net Worth History
2025
Click any name to rename · values auto-total
Annual Income
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Annual Expenses
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Annual Savings
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Monthly Surplus / Deficit
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Click any cell to edit · Premiums are auto-annualised in the summary strip
Total Policies
0
Annual Premium
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Monthly Cost
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Total Coverage
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Coverage by Type
🛡️
Add policies to see chart
Annual Premium by Member
👨👩👧
Add premiums to see chart
Plan monthly expenses per home or property · click any name to rename · Annual = Monthly × 12
Homes / Groups
0
Total Monthly
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Total Annual
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Avg per Month
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💌
My Final Wish
A private legacy letter — your words, your love, your wisdom, preserved for those you cherish most. Auto-saved as you type.
Getting Started
How to Use This App
Complete financial planning for your family — all in one place. Tap any step below to see details.
💡
Fill Budget & Insurance BEFORE Cash Flow
Both pages have a Map to Cash Flow button that auto-fills your premiums and expenses into the right months. Do these first to avoid duplicated work.
Recommended Workflow — tap to expand
Go to Insurance. Rename the default members (Self, Spouse, Child 1) to your actual family names. Then tap ＋ Add Policy for each member and fill in:
Policy name, type (Life / Health / CI / PA), and insurer
Premium amount and frequency (Monthly, Quarterly, Semi-Annual, Annual)
Renewal date — critical so non-monthly premiums land in the right month
Sum assured, policy number, expiry date, notes
💡 Bulk entry: Download the Excel Template, fill all policies in the spreadsheet, then Upload to import everything at once.
🛡️ Protection Analysis below the policies shows whether your Life, CI, Disability, and Health coverage meets recommended benchmarks.
Go to Budget. Each group = one property or expense set (e.g. Primary Home, Investment Property). For each group enter monthly amounts across 5 categories: Loans & Mortgage, Taxes, Home & Utilities, Household Staff, and Living Expenses.
💡 After mapping, each group gets its own colour in Cash Flow so you can instantly see which home an expense belongs to.
From Insurance, tap Map to Cash Flow. Tick the policies you want (or Select All), choose the year, tap Apply Mapping. The app places monthly premiums across all 12 months, and annual/quarterly premiums only in their correct renewal months.
🔄 Re-mapping replaces previous insurance rows — safe to re-sync anytime you update a policy.
From Budget, tap Map to Cash Flow. Select items, choose year, apply. Each budget group gets its own colour. Tap any row description in Cash Flow to rename it.
🔄 Re-mapping replaces all previous budget rows — adjust amounts in Budget and re-sync anytime, no duplicates.
Go to Cash Flow. Insurance and budget rows are already there. Use ＋ Add in each section to add remaining income, variable expenses, and savings contributions. The Net Cash Flow row shows green (surplus) or red (deficit).
📅 Month strip at the top shows each month's surplus/deficit at a glance — tap any pill to jump to that month.
📆 Use the year selector ← → to plan multiple years. Each year stored separately.
Go to Net Worth. Fill in assets (Liquid, Investments, CPF, Fixed/Real) and liabilities (Mortgage, Car Loan, Credit Card, etc.).
📸 Tap Record Snapshot monthly to build a net worth trend chart over time (up to 24 snapshots).
Go to Goals. Add goals (education, home, emergency fund, holiday) with target amount, current savings, target date, and monthly contribution. The app shows whether you're on track.
🏖️ Retirement Calculator at the bottom: enter your age, retirement age, income needed, and savings. The app projects how many years your fund will last — green/amber/red coded.
Go to Final Wish. Three tabs:
💌 Personal Letters — letters to your spouse and children, your values, hopes, and funeral wishes. Word count shown.
💼 Financial Wishes & Executor — executor details, asset distribution instructions, digital accounts.
🤝 Trusted Advisors — advisor, lawyer, doctor contacts so your family knows who to call.
Go to Estate Planning. Read plain-English explanations of Will, LPA, Family Trust, and AMD. Then use the Distribution Planner — add beneficiaries, set amounts, and see if your estate covers all allocations.
⚖️ Important: This planner is for thinking purposes only — not legally binding. Contact Hendri @ +65 8322 6533 for a referral to a qualified professional.
Go to Dashboard. It pulls everything together — key metrics, Action Centre (insurance gaps, low emergency fund, upcoming renewals, missing Will), and charts (asset breakdown, 12-month cash flow).
📅 Use the Dashboard as your monthly check-in. Record a Net Worth snapshot each visit to build your trend line.
Quick Reference — tap to expand
Data auto-saves every 30 seconds. Use Export (Device) in the top bar to download a backup file. Use Import to restore on another device. Do this regularly — clearing your browser will erase all data.
Tap Report in the top bar. Choose Annual Summary, Monthly Jan–Dec (landscape), or Hide Cash Flow. Generates a full printable HTML document covering net worth, insurance, cash flow, and goals.
Switch between English and 中文 using the language buttons in the sidebar. Change currency (SGD, USD, MYR and more) from the sidebar dropdown — all values update immediately.
All your data is stored only in your browser — nothing is sent to any server. See the Privacy & Data Notice link at the bottom of the sidebar for full details.
Ready to build your plan?
Start with Insurance, then Budget — the rest flows automatically.