Personal finance, planned to the decimal

Your money, mapped to retirement.

Track your progress toward your financial goals, from today's balances to the day you retire.

Get started See how it works

Early access, free for now. Sign in with Google, an email link, or your phone. No password to remember.

A net worth dashboard: a chart rising over five years, with a retirement projection NET WORTH $248,610 ▲ 18.4% yr 5Y 10Y Ret. 2023 2024 2025 Today 2030 RETIREMENT AT 60 $6,200 / mo Projected monthly income Assets $286K Liabilities $37.4K
Every accountCash, investments, retirement, real estate, and loans
Every paycheckContributions and payments, scheduled ahead
Every year aheadNet worth and income projected to retirement

Why “One More Comma”?

$100,000 has one comma. $1,000,000 has two.

The name is a nod to focused people growing their net worth past $1 million. No lucky stock picks, just sound planning and steady progress, one balance sheet at a time.

How it works

Three steps from today's balance to your retirement date.

Each part of the app does one job, and each builds on the one before it.

  1. 01 · Track

    Snapshot what you own and owe

    Add your accounts once, then record balances whenever you like. Each entry captures your net worth, and the charts fill in as you go.

  2. 02 · Allocate

    Give every paycheck a purpose

    Schedule contributions and extra principal payments, and put the big expenses and purchases you see coming on the calendar.

  3. 03 · Project

    See where it all leads

    Your balances and cash flow combine into a projection of net worth and retirement income. Change a contribution or an expense, and the projection updates.

Features

Built for people who like to see the math.

A balance sheet with history

Assets and liabilities in one place, grouped by type, with net worth charted over time.

Loans, amortized to payoff

Your projections pay down mortgages, auto, and student loans month by month until each one is paid off, extra principal payments included.

Big expenses, on the calendar

Plan tuition, travel, or a new roof, and see how each one shapes the balances of the account that pays for it.

Property you can plan for

Model a future home, vacation home, or rental, with its down payment and mortgage, before you sign anything.

Retirement, projected

Set your birth date and target retirement age to see the income your savings can support.

On your phone, too

Designed for desktop and mobile. Add it to your home screen and it opens like an app.

Your data

Simple by design. Yours by default.

  • No bank logins. You enter balances yourself, so you never hand your bank credentials to anyone.
  • Private to your account. Your balances and projections are visible only to you when you're signed in.
  • Nothing to install. It runs in your browser on any device, and you can add it to your home screen if you like.

Start with today's balances.

Your first entry is the hardest part. After that, every update sharpens the picture. One More Comma is in early access and free for now.

Get started