The model keeps household facts, scenario choices and market uncertainty separate so you can see what actually caused the result.
Early Access methodology: this page describes the model used by Personal Early Access. Early Access may change as the product is tested and improved.
Getting Started shows the steps. This page explains how the calculations work.
Income, expenses, assets, liabilities, pensions and dated events are aligned to the planning horizon.
Timing is part of the calculation. A strong long-term net-worth result cannot fund a bill that arrives before accessible money is available.
Styrvia tracks yearly cash movement alongside accessible money, investments, property, debt, funded pensions and total net worth. Pension contributions have two linked effects: cash leaves the household and is added to the selected pension asset before later growth and payout logic.
For amortising debt, the full scheduled payment is a cash outflow because that is what leaves available cash. The model then splits that payment between interest and principal: interest is the financing cost, while principal reduces the outstanding debt balance. Rate, maturity and repayment structure therefore shape both the payment path and the debt balance.
This separation is why the model can flag liquidity pressure even when total wealth remains high.
The Higher interest-rate test is a sensitivity check on variable-rate borrowing. It does not change the base debt schedule unless you change the debt or scenario assumptions.
Inflation, returns, financing, tax and currency assumptions stay visible. Employment tax uses the rates and thresholds you enter. A Primary layer can be combined with an Additional layer where needed. These are planning inputs, not a tax return.
Reference data supports conversion and historical tests. It does not replace your forward assumptions. Current currency conversion uses the FX rates in the plan; a current rate is not treated as a future FX path. See Data & sources for sources and dates.
Money display: Plan-date money expresses future amounts in plan-date purchasing power; Future amount shows the nominal amount at that date. This changes how the result is shown, not the plan itself.
Growth: blank uses the relevant default; 0% keeps the entered amount flat. Recurring spending normally follows inflation when no override is entered.
You control lifecycle timing. Pension age is the default pension start when a pension has no specific start age. Planned work retirement is a separate work-income stop age; if blank, Pension age is the fallback. Specific pension starts and income end dates take priority. Country retirement-age research is context only.
Current observations are not forecasts. Your planning assumptions and manual overrides remain in control.
A 100,000 portfolio with a 5% total return could, for example, pay 2,000 in dividends and increase 3,000 in market value. Styrvia keeps those effects separate so cash flow and asset value are not double-counted.
Tax when realised and tax on annual value changes can produce different cash paths because tax timing changes what remains available to reinvest. Exact treatment still depends on the country, account and instrument.
Property sales. Styrvia starts with the projected sale value, subtracts selling costs, then calculates the gain against cost basis. Your gain-tax assumption is applied to any positive gain, and linked debt is repaid after tax. Selling costs therefore reduce the taxable gain in the plan; they are not a separate tax credit.
Each scenario starts from the same Starting Point and applies only the dated Scenario events you choose. This keeps the difference between paths attributable to the decision being tested.
Currency follows the item being changed: general income/spending changes use base currency, while assets, loans and debt repayment use the relevant selected currency.
You can also add a dated Market change to a scenario. Set a start and end year and change equity return, bond return or property-growth assumptions for that period. This is separate from Market simulation and Past-market test.
Financial Path, Market simulation and Past-market test answer different questions about the same plan or scenario.
Financial Path shows the plan using your chosen assumptions. Market simulation tests many market paths. Past-market test replays historical market and inflation conditions.
Market simulation: varies annual equity and bond returns using the plan’s return, volatility and correlation assumptions. It does not replay historical years.
Past-market test also uses the selected national housing history when a path includes a property sale. If the required housing years are missing, that historical starting window is left out rather than filled with assumed growth.
Market uncertainty is applied only to market-exposed investments and funded pensions.
Styrvia Personal keeps Market simulation risk parameters simple and consistent. The user selects the broad holding classification, while the volatility attached to that classification is locked:
| Holding classification | Annual volatility used |
|---|---|
| Broad diversified ETF / fund | 15% |
| Generic / unclassified equity | 18% |
| Sector, thematic or concentrated ETF / fund | 22% |
| Individual stock / concentrated equity | 30% |
Styrvia Personal uses the broad holding class you select; it does not infer risk from a ticker or inspect what a fund owns. See Model limitations.
Funded-pension risk profiles use modelling mixes of Low 30/70, Medium 60/40 and High 80/20 equity/bonds. These are planning categories, not statements about a provider’s actual allocation.
Results are read from the ability to fund the plan, through downside resilience, to middle and higher-end context.
The model supports a decision; it does not decide suitability, priorities or personal trade-offs for you.
You choose the facts, assumptions and alternatives. Styrvia models their consequences; it does not select a financial product, rank one as “best”, or tell you what is suitable for you.
This boundary follows the distinction between information and personal recommendations described by ESMA and Finanstilsynet.
Results are conditional on the assumptions you enter. Test sensitivity instead of treating one projection as the truth.
The calculation guides use simple fictional numbers to explain progressive tax, pensions, reserve targets, FX conversion, funding bridges and investment returns.
Use the assumptions and limitations alongside the result. See model limitations →
