Calm Sea
Net worth tracker and retirement planner
About Calm Sea
Calm Sea is a net worth tracker and retirement planner for everyday people who want a clear view of their finances. It brings property, shares, retirement accounts, savings and loans into one picture, using numbers you enter yourself rather than linking a bank account.
The app projects how assets may grow and debts may shrink over time, showing when you could stop working. A drawdown view then models how your savings, investments and other income could fund retirement year by year, and lets you change your retirement age, spending and growth assumptions to see how the plan shifts.
What sets it apart is its focus on visibility over complexity. Charts replace spreadsheets, and users can drill into individual assets or zoom out to the full plan. It is offered with a free plan and is educational in nature, not personalised financial advice.
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