WHOLE LIFE FINANCIAL PLANNING
Crystal. Clarity and confidence, no matter what comes.
Planning for the financial future is complicated, with overlapping life events and decisions. Crystal models everything together, the way life actually works, building from granular detail and looking ahead years into the future. With an intuitive user interface and precise financial models, you and your clients can make informed decisions.
Please contact crystal_info@siliconwealdsoftware.comfor more information.
Crystal
Video Reel
Welcome to Crystal
Meet Alex
Main Features
Life Event Timeline
Crystal is uniquely based around Life Events - household budgets, a new baby, a business expansion, retirement. Life Events overlap and interact, like in real life. Click and drag to see the impact of changes on client finances now and in the future.
The bigger picture
Crystal knows about profit/ loss, cashflow, inflation, exchange rates, taxes, interest, penalty rates - other tools never show these and give an incomplete and misleading picture. It can understand mortgages, loans, business income and expense, investments, salary... and much more. No need for spreadsheets or web apps.
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 Wall Street experience. If you want to, you can drill in to see exactly where the Crystal's results come from.
Crystal can help answer questions like these...
If I retire at 55, do my investments and pension sustain my lifestyle to 70 and beyond?
We have two children approaching university — how does that interact with our mortgage and retirement plans?
How does the latest Budget affect my long-term financial picture?
What happens to our finances if inflation stays higher for longer?
Should I take the lump sum or the pension? What does each path look like over 20 years?
...and understands all these might be happening in your life at the same time
Features
Unique Life Event Timeline allows real, complex scenarios to be set up and understood in a straightforward way
AI assistance to get you started
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
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 supports future expansion
Full undo/redo
Encrypted files and all calculations on-device for true privacy
Spreadsheet import and export
Pricing and Availability
Crystal is currently in early access. If you'd like to be among the first to use it, or to discuss how Crystal might work within your advisory practice, please get in touch at the email address above.
Frequently Asked Questions
How accurate can Crystal be about the future?
Like every planning tool, Crystal is only as good as its inputs. But unlike other tools, it accounts for far more of the components that shape your financial future — and you can update it as life changes. The more you use Crystal, the more accurate your picture becomes.
Does Crystal use AI?
Crystal's projections are always deterministic — built from the details you provide, not generated by a chatbot. This means every result is explainable and auditable. AI assistance is used to make the system more accessible, helping translate your situation into a structured financial model without requiring spreadsheet expertise.
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.
How does Crystal use Wall Street techniques?
Crystal operates at the journal level, just like professional accounting and financial modelling systems. Profit and loss, balance sheets and cashflow are built up from transaction-level details, month by month, using techniques developed from institutional finance. This means you can drill down at any point to see exactly how your inputs produce your results.
Is Crystal only for wealthy people?
No. Crystal is designed for anyone making financial decisions that stretch across time — whether that's managing a mortgage, planning for children, navigating a career change, or thinking about retirement. You don't need a large investment portfolio to benefit from seeing your whole financial picture clearly.
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.
Crystal — because financial planning should be crystal clear, and your future worth seeing.