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
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: --
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…
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.
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
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
AI financial analyst
Claude-powered · uses your exact real-time simulation numbers
Pro
Scenario Analysis
What If Scenario Generator
Simulate major life changes and see their real-time QMC impact on your financial trajectory
Choose a preset scenario
Custom scenario
/mo
/mo
Select a scenario
Choose a preset or configure a custom scenario to see its full QMC impact on your wealth plan
Scenario impact
vs your current financial trajectory
--
Current pathScenario path
Key impact breakdown
Safe-to-spend adjustment
Monthly Budgeting
Projects — Expense Management
Classify spending into projects. Get formal monthly budget estimates and track every category with live progress bars.
New spending project
500 characters remaining
Total Budgeted
--
across all projects
Total Spent
--
this month
Remaining
--
budget left
Budget Efficiency
--
of budget used
No projects yet
Add your first spending project to start tracking your monthly budget categories
Future Planning
Future Goal Planner
Plan for property, weddings, travel, family and legacy. Precise monthly savings roadmaps with compound growth calculations.
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
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.
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
RECOMMENDED
Pro
For serious wealth builders
$19/month
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
Billing history
No charges yet — currently on the free trial period
Account
Settings
Manage your profile, security, notification preferences and simulation defaults
Profile information
Security & password
Recommended: 12+ characters including uppercase, lowercase, numbers, and symbols.
Enter new password
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
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.