Simulate Your Wealth & Retirement with Statistical Rigor
A high-performance desktop simulator that runs thousands of stochastic Monte Carlo paths, models dynamic life milestones, real estate amortization, FX currency drift, and estate distributions — completely offline on your machine.
Engineered for Long-Range Financial Clarity
Most calculators rely on simplistic fixed-return formulas. CronFolio gives you full stochastic simulation, branching events, and estate tax intelligence.
Stochastic Monte Carlo & FX Drift
Simulate thousands of paths with market return distributions, sequential volatility risk, inflation shocks, and foreign exchange currency drift (USD, JPY, EUR, GBP).
Milestone & Branch Timelines
Chain life events dynamically: home purchases with mortgage amortization, promotions, college tuition, pension annuities, sabbatical years, and early retirement.
100% Local-First & Zero Cloud
Your sensitive net worth, accounts, and financial blueprints never touch any remote database or cloud server. Runs completely offline in airplane mode.
Multi-Asset & Formula Engine
Track stocks, ETFs, cash, real estate, RSUs, and dynamic algebraic formulas. Model automated portfolio rebalancing and asset category constraints.
Estate & Inheritance Planning
Simulate estate distribution across beneficiaries, calculate inheritance tax thresholds, and preview asset transfer strategies across your timeline.
Native Multiplatform Performance
Built with modern Compose Multiplatform for blazing fast performance, instant undo/redo history, responsive charts, and fluid desktop keyboard controls.
From Setup to 30-Year Confidence in Minutes
Add Assets & Currencies
Enter your accounts, properties, stock portfolios, and debts. Set base currencies and optional real-time ticker quotes.
Map Your Life Timeline
Apply ready-made templates or add custom events for career milestones, real estate down payments, pensions, and family goals.
Run Stochastic Projections
Simulate thousands of market paths, inspect percentiles, check solvency probability, and test alternate scenario branches.
Simple, Honest Ownership. No Subscriptions.
Buy once, keep forever. All major updates included. 14-day money-back guarantee.
Community / Demo
Explore the full power of the simulation engine with starter scenarios.
- ✓ Full Monte Carlo simulation engine
- ✓ Multi-currency & FX conversion
- ✓ 100% Local-first offline storage
- ✓ Up to 10 assets & timeline events
- ✓ Scenario templates & starter wizard
CronFolio Pro
The complete financial modeling workstation for individuals and families.
- ✓ Unlimited assets, accounts & liabilities
- ✓ Unlimited timeline events & milestones
- ✓ Activate on up to 3 personal devices
- ✓ 100% Offline validation (Ed25519 cryptography)
- ✓ Advanced Estate & Inheritance modeling
- ✓ All future software updates included
- ✓ 14-Day Money-Back Guarantee
Frequently Asked Questions
How does licensing work across devices?
Your one-time license key allows activating CronFolio on up to 3 personal devices (such as your macOS laptop, Windows desktop, and Linux machine). If you ever migrate to a new computer, you can easily deactivate an old device in the app.
Is my financial data uploaded to any cloud?
Never. CronFolio is built strictly as a local-first application. All portfolio figures, timeline events, and personal notes remain solely on your device's filesystem. There is no remote account or cloud database.
What is the refund policy?
We provide a 14-day money-back guarantee. If CronFolio does not meet your expectations, simply reach out to us at support@cronfolio.app or via your Paddle receipt for an immediate, full refund. See our Refund Policy.
Who processes my payment?
Our orders are processed by Paddle.com, our authorized Merchant of Record. Paddle handles tax calculation, global invoicing, and secure payment processing (Credit Card, PayPal, Apple Pay).