How Prosper Works
Prosper is a personal financial simulator. Instead of only tracking past spending, it helps you model what happens next across retirement, debt, investing, and household decisions.
1. Build your financial model
Set age, retirement assumptions, salary, costs, and expected annual growth. Then add assets, liabilities, and custom cashflows.
2. Run realistic scenarios
Compare base, optimistic, and stress cases. Test major events like financed purchases, expense changes, or different retirement timelines.
3. Decide with confidence
Use projections, snapshots, and household aggregation to evaluate tradeoffs before making long-term commitments.
Main app pages and purpose
Profile
Model one person end-to-end: salary, costs, savings, investments, assets, liabilities, and retirement assumptions.
Household
Combine multiple profiles to understand household-level projections and tradeoffs.
Mortgage Tool
Test mortgage scenarios, rate changes, and voluntary amortizations to reduce total interest and term.
Compound Growth Tool
Explore investment growth over time with contributions, expected returns, inflation, and taxes.
Snapshots
Save and compare different planning scenarios without rebuilding your setup each time.
FAQ
Explain how yearly simulation, drawdown, asset sale rules, and taxes are applied in plain language.
Retirement Planner
Model salary-to-pension transition and drawdown sustainability.
Mortgage Payoff
Evaluate voluntary amortization and long-term interest impact.
Compound Growth
Test expected growth and recurring contributions over decades.
Start your first scenario
Install the app and create your first profile. You can then tune assumptions, save snapshots, and compare alternatives in minutes.
