Lodestone
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See your true net worth, every account in one place.

Lodestone brings your investments, property, pensions, loans and cash into one living balance sheet, shown per person or combined in your base currency. When you’re ready, it projects your tax-aware path to financial independence.

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Lodestone's balance sheet: net worth, assets, liabilities and composition
Assets, liabilities & real equity

Holdings, property and cash against your loans. The true number.

Multi-member, multi-currency

Per person or combined, valued in your chosen base currency.

Even the exotic assets

Leveraged certificates, crypto wallets and private holdings included.

The idea

Financial independence, in one sentence

When your savings and investments can cover your living costs on their own, work becomes a choice rather than a necessity. That’s FIRE: Financial Independence, Retire Early.

The target is roughly your yearly spending times about 25, so that drawing ~4% a year lets your money outlast you. That rule of thumb is the easy part. The hard part is knowing where you actually stand, and how Swedish tax, locked-up pensions and market timing move the real date. That’s what Lodestone is for.

1. Track

Bring every account into one honest net-worth number.

2. Project

See the tax-aware date your money actually outlasts you.

3. Close the gap

Find the lever, whether fees, savings rate or allocation, that moves it soonest.

Tax-aware projection

Know the day you’re financially free

ISK/KF schablon, pension access ages and a liquid bridge give the date your money actually outlasts you, not a naïve 4% guess, with a Monte-Carlo success rate and your single biggest lever.

  • Real FI date, not a rule of thumb
  • Simulated plan success rate
  • Coast / Barista FIRE built in
Know the day you’re financially free
Income & spending

Income & spending that watches itself

Monthly and yearly flows with a real-vs-inflation lifestyle check, plus a detective that flags spend spikes and creep before you notice them.

  • Dividends & fees folded in automatically
  • Lifestyle-creep detection

And a lot more under the hood

Fund X-ray

See through your funds to the real underlying companies and concentration.

Scenario Labs

Stress-test crashes, career breaks and what-ifs against your plan.

Open Banking

Pull balances and transactions automatically, with no re-keying of statements.

Crypto wallets

Sync on-chain balances alongside everything else.

AI statement import

Snap a screenshot or PDF; AI reads the holdings straight in.

Simple pricing

Start free. Upgrade when you want the advanced tools.

Free

For everyone
  • FIRE projection, balance sheet & income tracking
  • Manual entry and file/CSV import
  • Printable financial report
  • Crypto wallet sync
  • Top 3 market setups from the scanner
  • Unlimited household members
Get started

Standard

Hosted AI included
  • Everything in Free, plus:
  • Advanced dashboards: Freedom, Analysis, X-ray
What is Lodestone?FIRE calculatorLodestone vs KuberaFAQStart free
Lodestone. Track your household’s path to financial independence. Not investment advice.
Spending-anomaly detective
Income & spending that watches itself
AI copilot

A coach that actually knows your numbers

Bring your own Anthropic key and Lodestone turns your real figures into a plan, a weekly brief and spend insights, grounded in your data rather than generic advice.

  • Personalised, prioritised next steps
  • Weekly portfolio brief
  • You hold the key, full control
A coach that actually knows your numbers
Setup scanner

A scanner that only speaks when something fires

Every night, ~1,700 stocks, metals and crypto are scanned for real technical setups: RSI divergences, breakouts, volume accumulation. A setup only fires when independent signal families line up, and every pitch is stamped with its own backtested base rate, misses included.

  • 1,700 names watched nightly, decades of history
  • Seven signal families, so confluence rather than noise
  • Honest base rates: "fired 412×, positive 90 days later 63% of the time"
A scanner that only speaks when something fires
Stay in it

Progress worth returning to

Levels, weekly quests and achievements turn the long road to independence into something you actually want to open every day.

  • Daily streak with freezes
  • Rotating weekly quests
  • Milestone & explorer badges
Progress worth returning to

Export everything

Your data is yours. Full CSV and JSON export, any time.

  • Labs (what-if scenario simulator)
  • The full market setup feed with backtested base rates
  • Automatic bank sync (Open Banking)
  • AI coach, weekly brief, spend insights & smart import, on hosted AI (no key to manage)
  • Data export (CSV / JSON)
    • Start free, upgrade anytime

    Standard self-serve

    Your own AI key
    • Everything in Standard, but:
    • AI runs on your own provider key (Anthropic or OpenAI), billed by them
    • No hosted AI allowance from us, so it costs less
    Start free, upgrade anytime