Halom Studios
A clear financial plan
for your life goals.
See in one place how a starting balance, a monthly commitment, a time horizon and a few stated assumptions may shape the financial path towards a goal. Save more than one plan, compare them, and record each month where you stand against the planned path.
iOS beta in preparation
Two numbers a month
The amount you set aside during the month, and your total savings at month end. That is enough to see where you stand against your own plan.
How it works
It starts with your goal
Planning starts with what you want to achieve, not with choosing a financial product: a home, a family goal, more freedom, a reserve. This matters because the app makes the goal’s time horizon and financial commitment visible instead of recommending anything to buy.
Planned life events count
A long-term plan rarely continues without interruptions. One-off or recurring deposits and withdrawals can be added, for example to model a future home purchase. The purpose is not to predict the future, but to show how a known event may change the estimated path.
Two numbers a month
The monthly check-in asks for the amount saved and the total end-of-month savings, with an optional note. It stays short so that money held across several accounts does not require portfolio or transaction tracking inside the app.
Assumptions stay visible
The time horizon, inflation, return assumption, annual saving increase and withdrawal mode behind an estimate can be edited and reviewed. The same future amount can mean very different things under different assumptions, so the app keeps the basis of the result visible.
Plans side by side
Two or three saved plans can be opened together, so differences in monthly saving, personal contributions and estimated outcomes become visible in one view. When currencies differ, the app performs no implicit conversion, avoiding a comparison that would look more precise than it is.
A revised estimate from progress
The recorded balance is compared with the plan’s calculated monthly path and used to show an updated estimated goal date. This is not a return calculation: contributions, withdrawals and market movement may all be present in the difference.
What we should say plainly
Tervora produces estimates from data you enter. It does not know where your money is held, does not connect to a bank or broker, does not import transactions, and does not infer investment performance from a change in balance. Return and inflation are assumptions, and future results are not guaranteed. The app does not provide personalised investment, tax or legal advice, and it is not for someone looking for a specific product, broker, trading signal or a certain outcome.