The honest way to see
everything about your money
Most people put off investing because it feels complicated. Invetest exists to make the numbers concrete — showing, with real market data, what waiting has cost, what starting now could become, and when your money could set you free.
People understand stories better than percentages
Telling someone "the S&P 500 averages about 10% a year" means almost nothing. Showing them that $200 a month for 10 years turned into $42,000 — using real 2014–2024 data — changes how they think about money entirely.
Invetest is the tool we wished existed when we were first learning to invest: concrete, honest, and completely free. No jargon, no sales pitch, no locked features — just the math, drawn from real market history.
"The best time to start investing was yesterday. The second best time is today." Invetest just shows you, in dollars, exactly what that means for you.
Past, future & plan — in one place
What happened?
Pick any asset and time period. See exactly what your money would be worth today from real historical closing prices — no guesses, no projections.
Open Replay Mode →What could happen?
Run 1,000 Monte Carlo simulations based on an asset's real historical behaviour to see the full probability range of where your money could land.
Open Future Mode →When am I free?
Five numbers about you reveal your freedom number and the age your investments could cover your bills — the moment working becomes optional.
Open Planning →Honest by design
Real data, not guesses
Every number comes from actual market history via Yahoo Finance — never a made-up projection.
Free forever, no ads
Every feature is available to everyone. No paywalls, no upsells, no advertising clutter.
No sign-up, no tracking
Use everything instantly. We don't ask for your email, your bank, or your personal finances.
Education, not advice
Invetest is built to help you understand money — not to tell you what to buy or sell.
How the numbers are calculated
Historical prices (Replay)
All historical price data is sourced from Yahoo Finance via the yfinance library. Prices are adjusted for stock splits and represent daily closing prices; monthly returns use month-end closing prices.
Monte Carlo simulation (Future)
Future Mode uses up to 15 years of each asset's real daily returns. Rather than assuming a bell curve, it resamples those actual returns (a historical bootstrap), so real crashes and fat tails are preserved. The average return is dampened toward a sane long-run rate — so one exceptional stretch can't produce an unrealistic median — while the asset's real volatility is kept intact. It then compounds 1,000 independent forward paths and reports the 10th / 50th / 90th-percentile range.
Freedom projection (Planning)
The Planning tool is a deterministic projection. It compounds your savings and monthly investing at your chosen growth rate — a generic Safe / Balanced / Stocks assumption, or a real asset's long-run historical return — adjusts everything for inflation into today's money, and finds when your portfolio reaches roughly 25× your annual spending: the "4% rule" freedom number.
Past performance does not guarantee future results. Invetest is for educational purposes only and does not constitute financial advice. Always do your own research before making investment decisions.
See it for yourself
What your money could've been, what it could become, and when it could set you free. Free, no sign-up.