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Step 1 of 3
Welcome to LifeAlpha
The intelligent wealth engine built for the next generation of investors. We use true Quasi-Monte Carlo simulation — the same technique as quantitative finance desks — to model your financial future with mathematical precision.
Step 2 of 3
Your first simulation
Head to the Simulator tab. Enter your income, expenses, savings and financial goal. The Joe-Kuo Sobol QMC engine will run 2,048 probabilistic paths and tell you the exact likelihood of reaching your goal — with a precise monthly investment recommendation.
Pro tip: Start with honest numbers. The simulation is only as accurate as the inputs you give it.
Step 3 of 3
Explore every tool
Beyond simulation: use What If to stress-test life events, Projects to budget by category, Goal Planner for milestones, and the AI analyst to ask anything about your finances in plain English.
LifeAlpha
"The best investment you can make is in yourself and your financial future."
— Warren Buffett
Trusted by the next generation
12K+
Users
$2.4B
Modelled
99.4%
QMC accuracy
Joe-Kuo Sobol Quasi-Monte Carlo with true direction numbers — the same technique used by quantitative finance desks at institutional investment firms. Mathematically proven superior to standard Monte Carlo.
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Wealth Intelligence
Good morning, James
Your complete financial overview, updated now
No simulation yet — run your first below
Net Worth
--
savings + investments
↑ Growing
Monthly Surplus
--
income minus expenses
available to invest
Goal Probability
--
QMC simulation result
run a simulation
Health Score
--
out of 100 — 5 dimensions
grade: --
🌿
Financial Age
ⓘ
--
Set your age in Settings to unlock
Net worth score--/20
Savings rate score--/20
Investment ratio score--/20
Emergency fund score--/20
QMC probability score--/20
Financial age over time
Run more simulations to see your trend
How is this calculated? →
🔥
Daily Streak
ⓘ
0
Day 1 — keep going
Best: 0Total: 0Weekly: 0/7
30-Day Activity Heatmap
ActiveTodayMissed
Wealth projection
Median, best and worst case paths
10-yr horizon
MedianBestWorst
Financial health score
5-dimension composite index
--
--
/100
At riskExceptional
Goal probability (35%)--
Savings rate (25%)--
Investment ratio (20%)--
Emergency fund (12%)--
Behavioural discipline (8%)--
Financial data snapshot
Live figures from your simulation — auto-populated from Supabase
Metric
Current
Monthly
Annual
Benchmark
Trend
Status
Loading from your simulation history…
Net worth timeline
Real history — every simulation snapshot plotted over time
Run simulations over time to build your net worth history
First snapshot recorded — keep simulating to build your timeline
Net worthQMC probability (right axis)
Recent simulations
Name
Goal
Horizon
Probability
Median
Risk
Engine
Date
No simulations yet — run your first simulation
True Joe-Kuo Sobol QMC engine — 21-dimensional low-discrepancy sampling, 2,048 paths, GARCH volatility clustering, income variability, behavioural bias, crash scenarios, tax and real inflation adjustment.
Horizon mode:
Fixed years
Target probability
Simulation inputs
Configure parameters then run the QMC engine
Income & Cash Flow
$8,000
$500$500K
$0
$0$1M
$4,500
$200$200K
3.0%
0%30%
5%
0% stable80% freelance
Wealth & Goals
$25,000
$0$50M
$0
$0$50M
$1,200
$0$200K
$500K
$10K$500M
10 years
1 yr60 yrs
80%
10%80% ★95%
Calculating…
Risk, Behaviour & Economy
Conservative
Moderate
Aggressive
Moderate: balanced growth targeting ~7–9% annual returns. Optimal for 5–15 year wealth building horizons with managed volatility.
5%
0% disciplined60% impulsive
2.5%
0%25%
20%
0%65%
5%
0%40%
No simulation yet
Configure your parameters on the left and run the Joe-Kuo Sobol QMC engine to see your probabilistic wealth forecast
Probability of reaching your goal
--
QMC success probability
--
Run a simulation to see your probability of reaching your financial goal.
2,048 paths--Joe-Kuo Sobol
90th percentile
--
best case
50th percentile
--
median
10th percentile
--
downside
Outcome distribution
2,048 QMC paths · Joe-Kuo Sobol
Below goalAbove goal
Detailed simulation statistics
Statistic
Value
Interpretation
Benchmark
Adviser recommendation
Save this simulation
Name and store your current scenario for later comparison
0/50
60 left
Loaded: --
Sensitivity analysis
ⓘ
Which input most affects your probability — click a row to highlight that slider
Input
Current value
+20% effect
-20% effect
Impact magnitude
Run a simulation first
AI financial analyst
Claude-powered · uses your exact real-time simulation numbers
Chain up to 4 sequential life events. See cumulative QMC impact with an animated SVG timeline.
Choose a preset scenario
Custom scenario
/mo
/mo
Chain events
Add up to 4 sequential life events — engine applies them across your timeline
Select a scenario
Choose a preset or run a chain to see cumulative QMC impact
Scenario impact
vs your current financial trajectory
--
Current pathScenario path
Key impact breakdown
Individual event impact
Safe-to-spend adjustment
Monthly Budgeting
Projects — Expense Management
Recurring & one-off budgets with rollover. Pie chart breakdown. CSV import.
Import projects from CSV
Expected columns: name, category, budget, spent, description. Extra columns are ignored.
0 rows
New spending project
↻ Recurring
⬡ One-off
Reset monthly
Rollover unused
500 characters remaining
Budget breakdown
Click a slice to highlight that project · hover to inspect
By budget
By spent
--
total budget
--%
spent
Spent
Remaining
Spent vs Budgeted
Total Budgeted
--
across all projects
Total Spent
--
this month
Remaining
--
budget left
Budget Efficiency
--
of budget used
Active projects
No projects yet
Add your first spending project to start tracking your monthly budget categories
Archived projects
Future Planning
Future Goal Planner
QMC probability per goal. Goal dependencies with lock overlays. Precise compound FV annuity savings roadmaps.
New future goal
% p.a.
500 characters remaining
Total Goals
0
planned milestones
Total Target
$0
combined amount needed
Monthly Required
$0
to hit all goals on time
Next Goal
--
--
No goals planned yet
Add your first future goal to get a precise QMC-informed savings roadmap with compound growth projections
Intelligence Layer
Financial insights
Personalised analysis, behavioural intelligence, and actionable advice based on your real QMC simulation data
Your biggest lever right now
Run a simulation to reveal your highest-impact change.
This is the single highest-impact change you can make today.
Sensitivity calculated using 512 paths
Spending intelligence — can I spend money today?
Behavioural finance engine
Your current profile
Monthly income--
Monthly expenses--
Monthly investment--
Disposable income--
Emergency fund--
Safe to spend--
Run a simulation first
Configure your parameters
Go to the Simulator tab, enter your income and expenses, and run a simulation to activate spending intelligence.
Emergency fund status
--
of 6-month target covered
Target: 6 × monthly expenses
--
Personalised AI-driven insights
Pro feature
Run a simulation to generate personalised insights based on your real QMC simulation data
Smart contextual alerts
Live monitoring
Alerts appear here based on your spending patterns and financial goal trajectory
Subscription
Billing & plans
Manage your LifeAlpha subscription and billing details
Pro Trial — 11 days remaining. Subscribe to Pro to keep unlimited QMC simulations, AI analyst, What If scenarios, Goal Planner, weekly email reports, and all premium features.
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Free
For getting started
$0/month
10 simulations per day
Basic Monte Carlo engine
3 saved scenarios
5 budget projects
🔒 QMC Sobol engine
🔒 AI financial analyst
🔒 Weekly email reports
BEST VALUE
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For serious wealth builders
$150/year
You save $78 every year
$12.50/month, billed annually as $150
Unlimited QMC simulations
Joe-Kuo Sobol QMC engine (2,048 paths)
AI financial analyst (Claude-powered)
What If scenarios (10 presets + custom)
Unlimited projects & goal planning
Weekly email reports (Resend)
Multi-currency (10 currencies)
Smart contextual spending alerts
Full CSV data export
Priority support
Cancel anytime · No long-term contract
Everything included in Pro
Every Pro capability, in full. Each switches on the moment you subscribe — monthly or annually.
Your LifeAlpha usage
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Your data is safe — stored encrypted on Supabase with row-level security.
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Billing history
No charges yet — currently on the free trial period
Account
Settings
Manage your profile, security, notification preferences and simulation defaults
Profile information
Used only to calculate your financial age benchmark. Never shared.
Please enter a valid age (16–90)
Security & password
Recommended: 12+ characters including uppercase, lowercase, numbers, and symbols.
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Notification preferences
Weekly progress email
Comprehensive financial summary every Monday morning, sent via Resend API
Smart spending alerts
Notified when spending patterns are affecting your QMC goal trajectory
Goal milestone alerts
Celebrate when you hit 25%, 50%, 75%, and 100% of any planned goal
Market volatility alerts
Alert when conditions may significantly impact your QMC projections
Bill & subscription reminders
3-day warning before any project budget period resets
⚠️ "Goal at risk" alert (below 50%)
Emailed when your QMC probability drops below 50% — independent 48-hour cooldown
🚨 "Critical alert" (below 25%)
Emailed when your QMC probability drops below 25% — separate 48-hour cooldown
Recent alerts
The last 5 alerts triggered for your account, so you always know what changed.
No alerts triggered yet — your goal probability has stayed healthy.
Simulation defaults
Danger zone
Permanently delete your account and all associated data — simulations, projects, goals, billing history. This action is completely irreversible. Export your data before proceeding.