A CRYSTAL BALL FOR YOUR FINANCES

Plan your finances. Plan your life. Take control of your financial future.

Crystal is the world’s most comprehensive, innovative financial planning and forecasting system for individuals and small businesses. Crystal shows how your plans and the wider world impact your short, medium and long-term finances, so you can prepare for anything.

Please contact crystal_info@siliconwealdsoftware.comfor more information.

Crystal

Plan for the future in an intuitive way with the Life Event Timeline

Deep dive into Balance Sheets, Profit and Loss and Transactions

Life Event Timeline

Crystal is uniquely based around Life Events - your budget for next year, a new baby, a business expansion, retirement. Your Life Events overlap and interact, like in real life. Immediately see their impact on your finances now and in the future.

The bigger picture

Crystal knows about profit/ loss, cashflow, inflation, exchange rates, taxes, interest, penalty rates - other tools never show these and give an incomplete and misleading picture. It can understand mortgages, loans, business income and expense, investments, salary... and much more. No need for spreadsheets or web apps.

Detail you can understand

Everything in Crystal is built up from the lowest-level detail, and projected forward month-over-month for years - using best-in-class techniques developed from the finance industry. If you want to, you can drill in to see exactly where the Crystal's results come from.

Crystal can help answer questions like these...

I want to buy a £400k house; what will the changed mortgage payments mean for my budget over the next 5 years?

We're planning a baby, can we afford childcare over the next 8 years?

If we buy and renovate a rental home, how long before we break even? What rent shall we charge, making sure we cover the additional tax?

Should I take out a small business loan? Does my income cover the repayments?

If I work for 10 more years and my salary goes up with inflation, do I have enough to retire with my current lifestyle?

...and understands all these might be happening in your life at the same time

Features

Unique Life Event Timeline allows real, complex scenarios to be set up and understood in a straightforward way

User-entered transactions create journals and are the foundation of the projection

Journals are used in Month-over-month calculations for the whole scenario

Adjustments can be used to bring Crystal's estimation in line with reality and improve future estimates

Full asset/liability balance sheet generated

Interest, amortization, penalty rates, dividend estimations on both assets and liabilities

Profit-and-loss (P&L) generated, income/expense for tax purposes and per asset

Multiple currencies and exchange rates handled

Multiple ownership, multiple domiciles

Inflation curve management and calculation, including income and expense adjustment; and tax threshold adjustment

Tax high-level estimations (UK and US Federal), including income tax, capital gains tax, NIIT and National Insurance

Events: important occasions or balances can act as triggers, allowing model programming

Goal-setting: has a P&L or asset/liability reached a value by a given date

Comparison: freeze settings, then make changes or add transactions to highlight impact

Charts and graphs to bring future finances to life

Timeline accelerator allows long time periods to be shown clearly

Modular, rule-driven calculation system

Full undo/redo

Encrypted files and all calculations on-device for true privacy

Spreadsheet import and export

How accurate can Crystal be about the future?

Like every planning and forecasting tool, Crystal is only as good as its inputs. But unlike other tools, it can take into account many more components that impact your finances and so is much more likely to give a result that’s closer to reality. And you can adjust as you go - if you keep Crystal updated, it will get better at projecting your financial future.

Do I need to be rich to use Crystal, or have a big stock portfolio?

No. Anyone can use Crystal; its goal is to help you understand and forecast how your money changes over time. It can deal with questions like “what happens if my landlord puts my rent up” just as well as “How will changes to capital gains tax rates impact my portfolio”.

How secure is my data?

We understand that your financial data is private and highly sensitive. It stays on your own computer and doesn’t get sent to our servers. It can be encrypted with a password so that only you can view the files.

Does Crystal use AI?

No, because we won’t share your financial data with external companies. On-device AI is something we may explore in the future to assist with data entry. Crystal will never use AI to try to ‟predict” the future, the forecasts will always be built up from details.

How does Crystal use best-in-class financial industry techniques?

Crystal operates at the ‘journal’ level, just like professional accounting systems, building up profit-and-loss and balance sheets from these details each month. The techniques are developed from Wall Street best practices. This means you can “drill down” to see exactly how the information you entered creates the result.

What currencies are supported?

Currently only GBP and USD, as these are the only currently-supported tax calculations. However, more will be added in future.

Will Crystal tell me where to invest so I can retire early - FIRE-style?

Crystal is not an investment management tool; there are plenty of good systems on the market for that. But they focus solely on retirement, unlike Crystal’s big-picture view. Crystal works excellently together with these tools.