Forecast Your Investment Future with Confidence
Use advanced Monte Carlo simulations and scenario planning to optimize your portfolio—property, stocks, crypto, and superannuation all in one place.
Advanced Tools for Serious Investors
Make smarter investment decisions with powerful forecasting and analysis
🏘️ Property Portfolio Management
Track multiple properties, their equity growth, and rental income all in one dashboard. See your real estate portfolio's contribution to net worth.
- Track unlimited properties with current valuations
- Monitor loan balances and calculate equity automatically
- Include rental income and expenses
- Forecast property appreciation over time
- Model the impact of buying new properties
- Calculate capital gains tax implications
📈 Stock & ETF Tracking
Manage stocks, ETFs, and managed funds across multiple brokers. See your investment allocation and forecast returns with Monte Carlo simulations.
- Track unlimited individual shareholdings
- Monitor performance and allocation percentages
- Forecast growth based on historical returns
- Model impact of additional investments
- See dividend and capital gains projections
₿ Cryptocurrency Portfolio
Track your crypto holdings across different wallets and exchanges. Include them in your net worth calculations and investment forecasts.
- Add any cryptocurrency you hold
- Include in net worth and portfolio allocation
- Track cost basis for capital gains calculations
- Forecast scenarios with different price assumptions
- Get Australian capital gains tax guidance
🎯 Rebalance Your Portfolio
Understand your true asset allocation across all your investments. Test rebalancing scenarios and see the impact on your long-term wealth.
- See complete asset allocation across all accounts
- Identify concentration risks
- Model rebalancing scenarios
- Forecast impact on returns
- Optimize for risk profile
🧓 Superannuation & Retirement
Plan your retirement with confidence using sophisticated superannuation tracking and long-term forecasting. See your exact retirement date and income needs.
- Track all superannuation accounts and balances
- Model contribution strategies (personal + salary sacrifice)
- Forecast to your chosen retirement age
- See how concessional contributions accelerate growth
- Tax optimization recommendations
💰 Strategic Debt Paydown
Test different debt repayment strategies. See how varying payoff timelines impact your net worth growth and investment returns.
- Track all debts (mortgages, personal loans, credit cards)
- Model early repayment scenarios
- Compare debt payoff vs. investing
- See tax-deductible debt impact
- Calculate interest savings
🔮 Monte Carlo Simulations Explained
Not sure which spreadsheet projection to trust? PennyNest runs 1,000+ simulations to show you the real probability of success.
📊 What It Shows
Your forecast isn't a single line—it's a range of outcomes. See the 10th, 50th, and 90th percentile scenarios so you understand the full spectrum of possibilities.
🎯 Real-World Planning
If 95% of simulations show you can retire at 65, you have real confidence. If only 70% do, you know you need to adjust your plan.
💡 Better Than Guessing
Monte Carlo accounts for market volatility, inflation, and unexpected events—not just historical averages. It's how professional advisers plan.
Model Any Financial Decision
Test scenarios before committing to major financial decisions:
❓ "What if I buy a second property?"
Add a property with different leverage and see how it impacts your net worth trajectory and retirement date.
❓ "What if I earn $100K more per year?"
Model salary increases, business growth, or side income and see the long-term wealth impact.
❓ "What if markets return only 5% instead of 8%?"
Test conservative market assumptions and see if your retirement plan still works in a downturn.
❓ "When can I retire?"
Run simulations for different retirement ages and see your success probability for each option.
❓ "Should I pay off my mortgage faster?"
Compare extra mortgage payments vs. investing the same amount. See which strategy builds more wealth.
❓ "Can I afford lifestyle inflation?"
Model increased spending and see if your portfolio can sustain it long-term.
🇦🇺 Australian Tax Optimization
Built-in Australian tax knowledge helps you keep more of what you earn:
Start Forecasting Your Wealth
Try PennyNest completely free. Advanced forecasting and Monte Carlo simulations are built in.
Create Account & Begin Planning