Answers for using Styrvia with confidence.

Yes. Try with sample data opens the current app with fictional data. Walkthrough gives a guided overview. Neither needs your own financial inputs.

No account is required for Personal Early Access. Open the app at app.styrvia.com in a supported browser.

Styrvia keeps a working copy in your browser profile. Save and Save as… create a separate encrypted .styrvia file for backup or transfer. Keep the file and passphrase safe; Styrvia cannot recover the passphrase.

Yes. Personal Early Access is free for non-commercial personal use, with no subscription.

The working plan is kept in that browser profile. Clearing Styrvia site data, resetting the profile or losing the device can remove it. Keep an encrypted .styrvia backup elsewhere if the plan matters.

Each device currently keeps its own working copy. Encrypted multi-device or household continuity is a possible future Plus capability.

Free prompts attached to the examples for facts you need to check yourself, such as tax, benefits, employer rules, financing and country-specific costs. They are research aids, not tax or legal advice.

Savings and investments the plan can use for spending without first selling a home or another unavailable asset. It is different from total net worth.

In Personal Early Access, compare cash flow and accessible money first, then longer-term wealth and the main drivers. Use Market simulation and Past-market testing when the plan has relevant market exposure.

Enter each item in its own currency. Styrvia converts it to the plan base currency while keeping the original currency. Use the current reference rate or your own rate. Future currency-change scenarios are planned.

A scenario is a reversible what-if in Explore. A Future event is a dated change you already expect or have committed to. Planned Future events stay in projections; Mark happened moves the recorded effect into Starting Point once, and Remove cancels it.

Personal Early Access supports up to 2 dated events per alternative scenario. Future events in Starting Point still apply to every scenario.

Positive surplus first clears any existing funding gap. The remainder follows your New surplus split between shares, bonds and cash. Existing holdings are not automatically rebalanced.

Plan-date money expresses future amounts in the purchasing power of the plan date. Future amount shows the nominal amount at that future date. Changing the display changes how results are shown, not the plan itself.

Blank uses the relevant plan default. For recurring spending, that is normally inflation; for employment income, it is the default income-growth assumption. Enter 0% to keep the entered amount flat.

Because property, pensions or other assets may still exist but not be available for current spending. Styrvia separates liquidity from total wealth.

If work income has no end date, Styrvia uses Planned work retirement when you set one. If that is blank, Pension age is the fallback. A specific income end date wins. Pension age does not stop rental, investment or pension income.

No. You set Pension age. It is the default pension start when a pension has no specific start age, and the fallback work-income stop age when Planned work retirement is blank. Specific pension starts and income end dates take priority. OECD retirement ages are context only; eligibility depends on scheme, cohort and contribution history.

For a funded private or employer pension, Styrvia starts with the projected pension pot at the payout start age, grows it using that pension’s expected return, applies contributions and employer matching up to the start, and solves the annual payout over the selected payout window so the pot is drawn down to zero. If inflation-linking is enabled, the payout rises with the plan’s inflation assumption. State pension, defined-benefit and manual/provider pensions use the annual amount you enter instead of this funded-pot calculation. Pension age controls only the State pension reference and fallback timing; private and employer pension start ages and planned work retirement remain separate. Key figures shows a full-year annual payout; a mid-year start is prorated only in calendar-year cash flow.

No. A future sale uses the projected property value and projected debt balance at the sale date. Select the property and linked debt.

Enter the planning benefit rate and, if relevant, an annual maximum. Styrvia applies it to projected interest; country-specific eligibility remains for you to check.

Styrvia subtracts selling costs before calculating the property gain. Gain is sale value minus selling costs minus cost basis; your gain-tax assumption is then applied to any positive gain. Selling costs reduce the taxable gain in the model; they are not a separate tax credit.

Styrvia shows the full debt payment as cash outflow. It splits that payment into interest and principal: interest is a financing cost and principal reduces the debt balance. This is a personal-planning cash-flow view, not accounting P&L.

It shows how a higher rate changes the current cost of variable-rate borrowing. It does not rewrite the base debt schedule or simulation.

Cash distributions affect cash flow; price changes affect asset value. Tax timing can be annual or when sold, depending on the planning treatment you enter. Check material country, account and instrument rules separately.

Tax depends on residence, account type, instrument, losses and timing. Enter the planning treatment that fits your case and check material tax assumptions separately.

Yes. A pension contribution reduces household cash and increases the selected pension balance. Do not enter the same contribution again as a separate expense.

Financial Path uses one set of planning assumptions. Market simulation tests many market paths. A plan can work on Financial Path but fail some simulated paths when accessible money is tight or spending depends heavily on market assets.

A Market change is a dated assumption you set for a scenario. Market simulation reruns the same plan across many varying market paths. Past-market test replays historical market and inflation conditions. The last two are resilience tests, not forecasts.

Market simulation runs 2,000 paths in Personal Early Access. P10 is a lower-end outcome, P50 the middle and P90 a higher-end outcome. They are simulated results, not forecasts.

Personal Early Access uses the broad risk category you choose for each holding. Professional is planned to add more detailed risk controls for complex cases.

Market uncertainty tests matter only when the plan has market-exposed investments or funded pensions. A cash-only plan does not need invented market exposure.

Personal Early Access uses maintained broad-equity, bond, cash, inflation and national housing histories when needed. See Data & sources for the source register.

The Personal Early Access build supports custom history for up to three investments. Long-run analysis requires at least 20 calendar years. If you use a proxy, you choose it deliberately.

Past-market test uses national housing history when a historical path needs a property sale value. If the required years are missing, that starting window is left out.

The forward plan uses the inflation assumption you enter. Past-market tests use historical CPI for the plan country where available, with labelled fallbacks.

Reference values show their source and date. When online, Check for reference update shows newer reviewed data. Nothing changes until you review and apply it, and your manual assumptions stay in control. Pension-age, life-expectancy and tax research is not automatically used as a plan default.

Styrvia labels it as stale, unavailable or manual rather than quietly replacing it with an unrelated value.

Funded or defined-contribution pensions can be market-exposed. State, defined-benefit or guaranteed pensions generally behave differently. Model each pension according to how it actually works.

Your household plan and calculations stay on your device during normal Personal use. Styrvia still connects to load the app and check app or reference updates, but those checks do not need your financial-plan values.

Yes. The hosted app needs a connection to load initially and to check for newer app or reference information. Normal household calculations and plan data stay on your device during Personal use.

After Styrvia has loaded successfully on that device, core modelling can continue offline. Initial loading and checking for newer app or reference information require a connection.

Personal Early Access uses password-encrypted .styrvia files. You can store such a file wherever you choose. Security still depends on your passphrase, device and storage account; keep the passphrase separate from the file.

No. In Personal Early Access, the household plan stays on your device and calculations run there during normal use.

No. You choose the facts, assumptions and alternatives; Styrvia models their consequences rather than recommending a product or deciding what is suitable for you.

Personal is for personal, non-commercial use. Professional is the future route for client-facing and other commercial workflows; contact Styrvia to discuss future use.

Start with the Styrvia version, browser/device, a short description and what you expected versus what happened. Don’t send financial amounts, account details or a Styrvia plan. If we need a support file, we’ll ask; review it before sending.

Use Personal Early Access at app.styrvia.com in a supported browser. The working plan stays in that browser profile on the device; encrypted .styrvia Save / Save As provides a portable recovery copy.