Model real life
Add future income, costs, purchases, assets, liabilities, and cashflows when they happen.
See how decisions shape your financial future.
Model retirement, buying a home, investing more, and other life choices before you commit.
Data stays on device Data stays on your device by default
No bank connection No account or bank connection required
Cloud sync off by default Cloud sync stays off by default
Your full financial picture, in one view
See how income, spending, assets, debt, and retirement assumptions shape your long-term net worth.
Everything you need to test the plan
Powerful simulation, explained in terms of the decisions it helps you make.
See your financial future
Project cash, investments, assets, debt, and net worth across your full planning horizon.
Explore decisions safely
Use What-If mode to test a change against your current plan without overwriting it.
Test uncertainty
Use Monte Carlo analysis to see success probability and a realistic range of outcomes.
Plan as a household
Combine multiple profiles to understand the choices you make together.
Make debt trade-offs visible
Compare mortgage terms and extra repayments by monthly cost, interest, and payoff date.
Questions Prosper helps you answer
Can I retire at 55?
Test an earlier retirement date against your income, spending, pension, and investments.
Explore this scenarioWhat if we buy this home?
See how the deposit, mortgage, and ongoing costs affect the rest of your financial plan.
Explore this scenarioHow much should I invest?
Explore how different monthly contributions could change your long-term options.
Explore this scenarioHow it works
- 01
Describe where you are
Add your income, spending, savings, investments, assets, and debt.
- 02
Test a decision
Change retirement age, housing, income, contributions, or future costs.
- 03
See if the plan holds up
Compare the outcome and stress-test it against uncertain market returns.
A few things to know
Is Prosper a budgeting app? +
No. Prosper is a forward-looking financial simulator. It helps you model how retirement, housing, income, spending, debt, and investing decisions could affect your future rather than categorizing yesterday's purchases.
Do I need to connect my bank accounts? +
No. You enter the assumptions you want to model, so you can start without sharing bank credentials or importing transaction history.
Where is my financial planning data stored? +
Prosper is local-first, so your planning data stays on your device by default. Signing in does not upload it. If you explicitly enable Cloud sync in Preferences, Prosper syncs your planning data through your account. To recover it on another device, sign in there and enable Cloud sync.
Plan the decision before you make it.
Start with your own assumptions and see where they lead.
Try Prosper on the web