See the whole journey, from building wealth to living off it

Calm Sea projects your assets growing and your debts shrinking, then shows how your money could carry you through retirement. All from numbers you enter and assumptions you control.

Get Started for free See how it works

No bank linking · No credit card · About five minutes to set up

calmsea.io

The Problem

Most people are saving for retirement. Very few can tell you if it's enough.

It's not a lack of effort. It's a lack of visibility. Calm Sea lets you see what you have, where it's heading, and how long it could last.

01 · TODAY Everything you own and owe: Property, shares, retirement accounts, savings and loans in one clear picture. No logins to your bank required.
02 · BUILDING Where your wealth is heading: Watch assets compound and debts disappear year by year, and see the day you could stop working.
03 · RETIRED How long your money lasts: Model a retirement income from your savings and see, year by year, how long it could last.

TWO PHASES · ONE PLAN

Every financial life has two halves. Now you can plan both.

Phase 1 · Accumulation

Watch your assets climb and your debts fall

No complex setup. No bank linking. Three steps and you'll see your full financial position for the first time.

01 Add your assets, income, expenses and loans: Enter your property, investments, 401(k), savings and any other assets. Takes about five minutes, no account linking or credentials required.
02 See your net worth: A clean, visual dashboard shows your total net worth, how each asset contributes, and how your wealth has grown over time.
03 See where you're headed: Project your wealth forward based on your growth assumptions. Change variables and watch your future net worth, and your retirement date, adjust in real time.

Phase 2 · Drawdown NEW

See how long your money could last

Enter the retirement income you have in mind and get a year-by-year projection of how your savings, investments and other income could fund it.

01 Savings: See how long your savings could last at the income you enter
02 Income: Every income source you enter, projected across each year
03 Change assumptions: Change your retirement age or spending and watch the projection update

Features

Everything in one place, finally

Calm Sea connects all your assets, liabilities, income and expenses into a single clear view, then shows you where they're heading.

Visual-first design

Simple & Visual

No spreadsheets, no stress. Just clean, beautiful charts that help you see every corner of your financial journey.

Drill down.: Home in on individual assets to see how they perform and fit into your plan.
Zoom out.: Step back to see the bigger picture of your financial journey and how it all fits together.
Mix it up.: Change your assumptions, change your plan, explore other scenarios and see what impact they have.

Asset Management

Analyze and forecast your cashflow

Input your assumptions to see your projected cashflow. Mix it up, change interest rates, inflation, growth, expenses and more to see how these changes can affect your cashflow over time.

Opportunity Spotting

Unlock key insights and trends

Gain a deeper understanding of your financial landscape. Identify patterns, spot opportunities and drill down to understand more about underperforming assets.

FAQ

Frequently asked questions

: Both. Net worth tracking is the foundation, you get a clear, visual picture of everything you own across all asset types. But Calm Sea goes further: it projects your wealth forward so you can see where you're headed, test scenarios, and spot your retirement date on a real timeline.
: Yes. Your data is encrypted at rest and in transit. Because Calm Sea doesn't connect to your financial institutions, you're only ever entering numbers, not credentials or live account access. We don't sell or share your data with third parties.
: Yes, cancel anytime from your account settings, no questions asked. You keep access until the end of your billing period. Lifetime access is a one-time purchase with no ongoing commitment.
: No. There's no account linking, no read access to your banks, and no ongoing syncing. This keeps setup simple and your data private. Calm Sea is entirely manual-entry, you enter your figures and we model from there.
: Not at all. Calm Sea is designed to make financial projections approachable, no jargon, no complex setup, no prior knowledge required. If you know roughly what you earn, save, and have invested, you have everything you need to get started.
: Yes. Calm Sea is built for a global audience with a primary focus on the US and Europe. The core planning tools, net worth tracking, asset projections, and scenario testing all work regardless of where you are. You enter your own numbers and assumptions, so there's no hard dependency on any one country's system.
: No. When you delete your data, it is permanently removed from our systems and cannot be restored, by you or by us. We don't keep backups or copies of deleted data, in line with GDPR's right to erasure. Once it's gone, it's gone for good, so make sure you've exported anything you want to keep before deleting.

Ready to see where you stand?

Bring all your accounts, property and investments into one calm view of your net worth.

See my net worth, free

No credit card required · Already have an account? Sign in