What Styrvia does

Turn a life question into financial paths you can compare.

Serious financial planning. Clear answers. Start with a life question. Compare the financial paths before you get into the detail.

Personal Early Access · liveFree PersonalNo account requiredNo bank connection

Walkthrough See Styrvia Plus

Free for personal use. Private by design. No bank connection required.

Current status: Personal Early Access is live at app.styrvia.com. The capability descriptions below describe the current Early Access product.

Browser access

Use Styrvia in your browser. Keep your plan on your device.

Personal Early Access is live at app.styrvia.com without requiring an account or bank connection.

Open in your browserUse Personal Early Access at app.styrvia.com in a supported browser.

Your plan stays on the deviceThe working household plan is kept in that browser profile, not in a Styrvia account.

Use it offline after loadingAfter Styrvia has loaded on that device, core Personal modelling can continue without a connection.

Keep your own backupEncrypted .styrvia Save / Save As lets you keep a portable recovery copy outside your browser.

Life decisions

Start with the question that matters.

Styrvia is built around decisions that change a household path, not a generic score.

Work & retirementCareer break, part-time or reduced work, studying, early retirement and pension-contribution changes. Work scenarios can target the salary stream that actually changes.

Debt, saving & investingCompare clearing a debt, keeping more accessible cash, investing more, or balancing several goals. Loan repayments follow the debt currency and repayment schedule.

Home & relocationCompare renting, buying, moving country, changing housing costs or downsizing later.

Family & lifestyleAdd a child or dependant, education costs, a wedding or celebration, a big trip, household changes, pension payout changes or another dated Future event.

Same Starting Point

Starting Point

Start every comparison from the same household facts, assumptions and planned Future events.

Choice A

Career break

Pause the selected employment-income stream for the dated period while other household income and living costs continue.

Choice B

Downsize later

Change the property, debt and transaction costs at the date the move happens.

Life changes can overlap. Test one change, compare alternatives, or combine up to two dated Scenario events—for example, a career break followed by downsizing.

Compare the same outputsAccessible moneyAccessible-money runwayNet worthDownside

What to compare

A plan can look wealthy and still run short of accessible money.

Read the outputs that answer different questions instead of collapsing everything into one number.

Cash flow

See what comes in, what goes out and where the annual gap appears.

Accessible money

See whether money available for spending lasts through the plan.

Debt path

See how balances and financing costs change as choices change.

Resilience

Use multiple ways to test how market-exposed plans behave when conditions are less helpful.

From question to comparison

Build the Starting Point once. Reuse it for every question.

Set up the essentials first. Add detail only when it matters. Walkthrough

Start where you areEnter the household facts, material finances and assumptions that define the Starting Point.

Understand the current pathSee what you own, owe, earn, spend and can access before changing anything.

Explore scenariosTest alternative paths without changing the Starting Point.

Getting started

Scenarios → Future events

Test the decision first. Keep it when it becomes real.

Scenarios are reversible what-ifs. Future events are changes you already expect or have committed to.

How scenarios and Future events work →

Test a scenarioExplore a choice without changing Starting Point.

Compare the pathsRead the same outputs across the Starting Point and alternatives.

Commit the choiceTurn the chosen scenario into a dated Future event without entering the decision again.

International & complex households

Flexible enough for a financial life that crosses borders.

Styrvia can handle several adults, currencies and pension timelines in one household plan. You still control the country-specific assumptions.

Money in different currenciesGive assets, debts, pensions and relevant cash flows their own currencies while keeping one base currency for the household result.

Pensions on different clocksModel several pension arrangements for each adult with their own currency, start date, payout method, tax assumption and funded-pension risk profile.

A household that can changeAdults remain adults with their own finances. That matters when an older parent lives with the family, careers end at different times or the household changes country.

Styrvia can model

Multiple currencies, pensions on different timelines, several adults, property, debt, investments and dated Future events in one household plan.

You still specify or verify

Residency, tax treatment, pension rules, legal treatment, exchange-rate assumptions and any country- or provider-specific facts that determine the correct setup.

You set residency, tax treatment, pension rules, legal treatment and exchange rates. Styrvia keeps the household paths comparable. Personal uses the exchange rates in your plan for conversion. Future currency-change scenarios are planned. See the modelling approach →

See the workspace

Clear first. Deeper comparison stays one click away.

The Personal Early Access workspace keeps the main journey visible while Analysis holds the denser comparison and report views.

Styrvia Starting Point screen from the fictional sample — **Starting Point:** one place to review the household before exploring alternatives.

Styrvia Analysis screen from the fictional sample — **Analysis:** deeper comparison and reports when the question needs them.

Fictional SAMPLE screens from Personal Early Access.

Personal Early Access stays free. The current Early Access configuration supports up to 3 detailed investments, 2 properties, 3 alternative scenarios and 2 dated Scenario events per scenario.

Need more capacity?If launched, Plus would support up to 30 detailed investments, 10 properties, 5 scenarios and 3 events per scenario.I'm interested

Using Styrvia for client or commercial work? See Styrvia Professional →

Next: set up your Starting Point.

Start with the household facts and assumptions that matter before testing alternatives.

Getting started