UNDERSTAND YOUR FINANCIAL FUTURE
The world’s most comprehensive financial planning and forecasting system for individuals and small businesses.
Don’t just wait for it to happen. Crystal shows how your finances evolve over time, given your assumptions, so you can make informed decisions and plans today.
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Crystal
Your financial future, all in one place
Crystal helps you budget for next year, plan for retirement, understand profit/ loss and cashflow, see the impact of life events. It can understand mortgages, loans, business income and expense, investments, salary... and much more. No need for spreadsheets or web apps.
The bigger picture
Crystal knows about inflation, exchange rates, taxes, interest, penalty rates - other tools never show these and give an incomplete and misleading picture.
Detail you can understand
Everything in Crystal is built up from the lowest-level detail, and projected forward month-over-month for years - using best-in-class techniques developed from the finance industry. See exactly where the results come from. See the impact of your plans and assumptions - and see the impact of changes to achieve your goals.
Crystal can help answer questions like these:
I want to buy a £400k house; what will the changed mortgage payments mean for my budget over the next 5 years?
We're planning a baby, can we afford childcare over the next 8 years?
If we buy and renovate a rental home, how long before we break even? What rent shall we charge, making sure we cover the additional tax?
Should I take out a small business loan? Does my income cover the repayments?
If I work for 10 more years and my salary goes up with inflation, do I have enough to retire with my current lifestyle?
Features
User-entered transactions create journals and are the foundation of the projection
Journals are used in Month-over-month calculations for the whole scenario
Adjustments can be used to bring Crystal's estimation in line with reality and improve future estimates
Wizards allow complex scenarios to be built up from smaller pieces like life events
Full asset/liability balance sheet generated
Interest, amortization, penalty rates, dividend estimations on both assets and liabilities
Profit-and-loss (P&L) generated, income/expense for tax purposes and per asset
Multiple currencies and exchange rates handled
Multiple ownership, multiple domiciles
Inflation curve management and calculation, including income and expense adjustment; and tax threshold adjustment
Tax high-level estimations (UK and US Federal), including income tax, capital gains tax, NIIT and National Insurance
Events: important occasions or balances can act as triggers, allowing model programming
Goal-setting: has a P&L or asset/liability reached a value by a given date
Comparison: freeze settings, then make changes or add transactions to highlight impact
Charts and graphs to bring future finances to life
Timeline accelerator allows long time periods to be shown clearly
Modular, rule-driven calculation system
Full undo/redo
Encrypted files and all calculations on-device for true privacy
Pricing and Availability
Crystal is currently invitation-only. If you are interested in hearing more about when Crystal will be released, and pricing, please join the mailing list.
Frequently Asked Questions
How accurate can Crystal be about the future?
Like every planning and forecasting tool, Crystal is only as good as its inputs. But unlike other tools, it can take into account many more components that impact your finances and so is much more likely to give a result that’s closer to reality. And you can adjust as you go - if you keep Crystal updated, it will get better at projecting your financial future.
Do I need to be rich to use Crystal, or have a big stock portfolio?
No. Anyone can use Crystal; its goal is to help you understand and forecast how your money changes over time. It can deal with questions like “what happens if my landlord puts my rent up” just as well as “How will changes to capital gains tax rates impact my portfolio”.
How secure is my data?
We understand that your financial data is private and highly sensitive. It stays on your own computer and doesn’t get sent to our servers. It can be encrypted with a password so that only you can view the files.
Does Crystal use AI?
No, because we won’t share your financial data with external companies. On-device AI is something we may explore in the future to assist with data entry. Crystal will never use AI to try to ‟predict” the future, the forecasts will always be built up from details.
How does Crystal use best-in-class financial industry techniques?
Crystal operates at the ‘journal’ level, just like professional accounting systems, building up profit-and-loss and balance sheets from these details each month. The techniques are developed from Wall Street best practices. This means you can “drill down” to see exactly how the information you entered creates the result.
What currencies are supported?
Currently only GBP and USD, as these are the only currently-supported tax calculations. However, more will be added in future. Please sign up and let us know which currencies/countries you are interested in.
Will Crystal tell me where to invest so I can retire early - FIRE-style?
Crystal is not an investment management tool; there are plenty of good systems on the market for that. But they focus solely on retirement, unlike Crystal’s big-picture view. Crystal works excellently together with these tools.