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There's More!

This calculator is ony a quick way to estimate when you'll reach Financial Independence. Many more parameters can be considered to get to a more precise and more realistic goal. With Oakify, you can:

  • Account for inflation
  • Include increases in your income
  • Include future cach flows, unrelated to your savings
  • Use different growth rates for each asset class (real estate, stocks, crypto...)
  • Track your net worth over time
  • ... and much more!
There's More to Oakify

S.M.A.R.T. Goals

S.M.A.R.T. Financial Goals have a Specific Net Worth to reach, a Measurable amount in currency, that is an Ambitious target but is still Realistic, based on scenarios you control, and Time-based, which means with a clear target date.

Net Worth Tracker SMART Financial Goals

We Take Your Privacy Seriously

Unlike other personal finance apps, Oakify uses end-to-end data encryption – that means your data remains secure and is never shared with third parties.

Encryption Rating
From the world-renowned security experts at Qualys SSL Labs
Security Rating
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Oakify App Screenshot

Take Back Control of Your Finances Without Giving Up Your Privacy.

We’re in beta!
Sign up now and get complimentary access to all Oakify features for 60 days:
Oakify App Screenshot

What is Oakify

Oakify is your roadmap to making better financial decisions. Our app keeps you on track towards achieving your financial goals, and gives objective guidance along the way. Best of all: your data stays private and encrypted end-to-end.

Frequently Asked Questions

Is Oakify a Robo Advisor?
No. Oakify will point you towards the right direction rather than make automated investment decisions for you.
Will Oakify make any transactions on my bank accounts?
No. If we access your bank or brokerage data, it will be in read only.
Can Oakify track and update my net worth automatically?
Yes. We can keep track of your daily bank and brokerage balances and update your net worth accordingly.
We also have access to the daily stock market data to update your portfolio's worth. We are currently working on more ways to automate net worth updates.
Can Oakify handle multiple currencies?
Yes. Every financial data point can be entered in its own currency and we use the latest exchange rates to consolidate your net worth.
Available currencies include USD, EUR, CHF, CAD, AUD, SGD, HKD, CNY and 43 others.
Will my data be encrypted and remain private?
Yes. Your data will be encrypted, end-to-end, which means no one except you can access it. We have seen no other personal finance app offer this level of privacy.
Is my data safe?
Yes. We have regular independent third party audits and we take data security very seriously.
Where is the cookies popup?
We don’t use cookies. Cookies are browsing tracking devices and we are not interested in tracking our users. We do use analytics tools to understand the use of Oakify and improve our products but we use a privacy-first tool that does not track our users. There is no advertizing on our site.
What does "We're still in BETA" mean?
It means Oakify is in an "early access" version. It is an important time during software development that lets us test functionality, gather feedback and fix bugs before the official release. This means our product is still a work in progress. Be aware that you may encounter potential product issues while Oakify is still in BETA.
How does Oakify make money?
Right now we don't. We are working on developing paid plans so Oakify can become a sustainable business. We will still offer a free plan for those who are starting out, with the same commitment to privacy.