Calm Sea

About Calm Sea

Calm Sea is a personal net-worth and retirement projection tool built around a deliberate refusal to link bank accounts. Assets, liabilities, income and expenses are entered by hand — property, brokerage, 401(k) or pension, savings, loans — which takes about five minutes and requires no banking credentials, and the app then renders a single dashboard showing total net worth, each asset's contribution and how the total has moved over time. The projection layer is the point of the product: growth assumptions, inflation and interest rates are all adjustable, and changing any one of them re-renders the forward curve and the implied retirement date in real time, so the question the vendor argues budgeting apps cannot answer — am I actually on track — gets a visual answer rather than a spreadsheet. Modelling covers both the accumulation phase and drawdown scenarios, with contribution and loan-repayment calculators, cash-flow analysis and what-if scenario comparison. The free tier runs projections and every calculator without an account limit; paying is what saves plans and unlocks the more complex multi-scenario work. The operator is Calm Sea Technology Pty Ltd, and the site carries an explicit disclaimer that nothing it produces is personalised financial, tax or legal advice.

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