Enough: Wealth Planner

Know when you have enough. Enough is a private wealth planner for the whole picture: what you own, what you owe, where it is heading, and when you could stop working. No account. No bank login. Your financial data stays on your phone. YOUR NET WORTH, IN ONE PLACE Add every account, fund, pension, property, car or crypto wallet as a holding, with debts alongside. Today leads with one figure, your net worth, and how it has moved since your last reading. • 22 built-in asset types, plus your own • Unlimited holdings and debts, free • A value history for every holding MONEY IN IS NOT GROWTH Paying €1,000 into a fund raises your balance and your cost together, so it never shows up as a gain. Every transfer is logged and can be undone exactly. YOUR BASE, FIRST Three things to have in place before anything clever: cash you can reach today, a full emergency fund, and money actually invested. Each target is worked out from your own essential spending and minimum debt payments, not a round number. Until your base is complete, Today shows which step to work on next. A HEALTH SCORE THAT SAYS WHY Emergency fund, savings rate, debt load, diversification, liquidity and progress toward independence, in one score. Every measure explains the number behind it. SEE WHERE IT IS HEADING A month-by-month projection of everything you hold, each holding under its own rules: expected return, how it compounds, and what you add to it. Every figure is also shown in today's money, after inflation. Touch the chart to read any year. WITH ENOUGH PRO • Projections up to 50 years, with contributions, returns, inflation and the age you stop working on sliders • A range, not a promise: hundreds of simulated markets show the bad decade as well as the typical one, and how often your plan reaches independence • Your independence number, rising with inflation, and when you could stop working, counting only money you can actually reach • The pension bridge: what it takes to live on reachable money until a locked pension opens • Where the next €100 should go: a priority order for what is left after living costs, with the reason for each step • Unlimited goals, each with a date and the monthly amount it takes to get there • Scenarios such as "bad decade" or "stop at 50", compared side by side, with one-off events like an inheritance • Several currencies, fees, yield, fixed terms and unlock dates • Diversification review and CSV export PRIVATE BY DESIGN • No account and no sign-up. Setup is two questions, or start from a worked example • No bank connection. You enter your own figures • Works fully offline. The only connection the app makes is to check your Pro subscription, and none of your figures go with it • Face ID or fingerprint lock, and an optional monthly reminder to update your values • Backup and restore to a file you keep, free forever • Delete all data in Settings whenever you want a fresh start FREE MEANS FREE Tracking your money is free, with no time limit and no trial: unlimited holdings, your base, the health score, income and spending, a 10-year projection, one goal and backups. Pro adds the long-range planning. If Pro ends, nothing you entered is deleted or hidden. Built for calm monthly check-ins, not daily noise. Enough shows projections based on the figures and assumptions you enter. They are estimates, not predictions, and nothing in the app is financial, investment or tax advice. SUBSCRIPTION Enough Pro is available as a monthly or yearly auto-renewable subscription. The price is shown in the app, in your local currency, before you buy. Payment is charged to your Apple ID at confirmation. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel it in your App Store account settings. Terms of Use: https://enough.balsdigital.com/terms Privacy Policy: https://enough.balsdigital.com/privacy