Life event · Retirement
A pension instead of a salary, and more time for what matters to you. centino shows what's left each month and how long your savings will carry you.
Notify meThe first Monday without an alarm clock. Helga and Peter drink their coffee on the balcony and talk about the trip they have been planning for years.
Peter has been retired since the summer, Helga follows next year. The pension is smaller than the salary, but there are savings and a portfolio. They want to know: what can we afford each month, and how long will our savings last?
Instead of a salary the pension comes in now, a little less than before. The fixed costs stay.
In centino: Regular payments shows income and fixed costs on one page and what's left each month.
Less spent on commuting, more on day trips and the garden. Where does the money go now?
In centino: Spending & Income compares with the previous year and shows what has changed.
The big trip is booked. Will the money still be enough in ten years?
In centino: The projection under Net Worth continues from their transactions with their own assumptions on saving and returns. Not investment advice, just their numbers.
Everything sits in one file encrypted with AES-256, protected by your password. No user account, no bank login, no server. What you look at stays with you.
Yes. Accounts and portfolios appear together under Net Worth, with their history over the months.
No. It only works with your transactions and the assumptions you enter yourself.
No. centino shows your own numbers clearly. You make the decisions yourself, with professional advice where needed. More under Notices and liability.
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