Financial planning, reimagined

Your entire financial life.
One interactive plan.

Income, side hustles, investments, property, sabbaticals, retirement — model every decision and see exactly how it plays out over decades.

montia.app

Too important to guess.

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When can I live entirely off investment withdrawals?

01 / 08
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Buy the rental property or put it in index funds?

02 / 08
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What's the actual impact of a 1-year sabbatical at 35?

03 / 08
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If my side hustle hits $5K/month, when does everything change?

04 / 08
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Can I retire at 52 and still give away $5M at 80?

05 / 08
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Buy vs rent — which wins over 20 years?

06 / 08
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How does an inheritance at 58 change my entire plan?

07 / 08
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Save aggressively for 5 years — what does that unlock?

08 / 08
Scroll to explore →
Use cases

Whatever your situation.

Side hustle hitting $10K/month
01
Side hustle hitting $10K/month
See exactly when it replaces your salary and what to do with the surplus.
Buy the house or keep renting
02
Buy the house or keep renting
Model the 20-year outcome of both paths side by side.
Take a year off at 35
03
Take a year off at 35
See what a sabbatical actually costs — in money and in years to freedom.
Sell the company. Then what?
04
Sell the company. Then what?
Model withdrawal strategies, reinvestment, and how long the exit lasts.
Build a rental property portfolio
05
Build a rental property portfolio
BRRRR, buy-and-hold, cash flow vs equity — model every strategy over decades.
The bucket list purchase
06
The bucket list purchase
The question isn't whether you can afford it. It's what it costs in time. See the full impact before you commit.
The dream car
07
The dream car
Model any one-time purchase — financed or cash — and see exactly what it changes downstream.
Scroll to explore →

Built for decisions that matter.
Not for tracking coffees.

Financial advisors charge $10K for a static plan. This lets you play with it forever.

Pricing

Simple pricing.

$149
One time. Yours forever.
No subscription, ever
No bank connection required
Access your plan from any device
37 currencies supported
All future updates included
14-day money-back guarantee

The wrong decision on when to sell, how to deploy a windfall, or when to buy a property is measured in years and hundreds of thousands of dollars. Montia costs $149.

FAQ

Common questions.

A financial simulation tool. You model your entire financial life — income, expenses, property, investments, retirement phases — and see how it plays out over decades. Not a budgeting app. Not a calculator with 3 inputs. A full interactive sandbox.
Anyone making financial decisions that involve real money and real time. Entrepreneurs, investors, professionals with variable income, people planning property purchases, career breaks, early retirement, or just trying to understand how their decisions compound.
No. Montia never connects to your bank or reads your financial accounts. You enter your numbers manually — that's intentional.
There's a 14-day money-back guarantee — try it risk-free, and if it's not for you, email us for a full refund. There's also a demo video that shows exactly how the app works.
37 currencies. Set your primary currency when you set up your plan.
That's the point. Update your plan anytime — change an income, add an event, adjust your retirement age. Everything recalculates instantly.
Yes. Duplicate any plan and change one variable to see how different paths compare side by side.

Freedom isn't luck.
It's a plan.

14-day money-back guarantee