Your money speaks every language.
So does SIFA.
The Engine
Features built for reality.
Your money speaks every language.
See your entire financial ecosystem.
At a single glance.
Fees. Tax. Inflation.
See exactly what they cost you.
See the year you can retire.
Then move it.
Your Financial Horizon
SIFA scans your future.
So nothing catches you off guard.
Every plan has moments that matter - when a mortgage clears, when investments start paying off, when you can stop working. SIFA finds them and shows you what's coming.
Deeper Insights
The full picture, built for complexity.
Asset X-Ray
Every asset. Every projection. Every hidden force.
See exactly how your wealth is distributed, projected forward, and stress-tested against inflation, fees, and sequence-of-returns risk.
Inflation Illusion
Identify exactly which assets are sinking.
SIFA maps your entire portfolio against real-world inflation, exposing cash traps and depreciating liabilities so you can see exactly what's sinking and why.
Monte Carlo
Hundreds of scenarios. One honest probability.
Run 1,000 simulated futures using real market variance. SIFA shows you the range of outcomes, not just the optimistic one.
Withdrawal Strategy
Spend smart. Last longer.
The order you draw from your accounts matters enormously. SIFA compares strategies so you keep more of what you've built.
Life Event Modeller
See how life's big decisions reshape your plan
Add any event - a property, a career break, relocating - and see the ripple effect on your retirement timeline instantly.
Stress Testing
Market crash. Job loss. Would your plan survive?
Run real historical shocks against your numbers. SIFA shows you which scenarios your plan weathers and which ones require action.
Relocation Modeller
Lower living costs. Earlier freedom.
Retiring in a cheaper country means your portfolio doesn't need to be as large. SIFA models the exact impact on your timeline.
“
We relocated from London to China and had pensions, property, and savings in two currencies. SIFA was the first thing that actually made sense of it all.
Quiet Intelligence
SIFA runs in the background
so you don't have to.
Real-time insights appear automatically as your finances change. No dashboards to check, no reports to run.
£47,200
over 20 years in hidden charges
6 years early
freeing up £1,850 every month
£5,820/mo
after inflation
Age 68
even if you stop saving now
£18,400
to reach 6 months cover
Age 62
without touching retirement
swipe to explore
Why SIFA is fundamentally different.
No sales funnel. No coaching upsell. No assumptions. Just your money, clearly modelled.
01
Ask SIFA
No coaches. No bookings. No sales pitch. Ask a question and get a clear, contextual explanation drawn from your actual data, in plain language, not analyst-speak.
02
Your real numbers
SIFA uses your actual balances, contributions, and salary to calculate your experienced growth rate. Your plan is built on your reality, not industry benchmarks.
03
Model, don't guess
Every decision has a ripple effect. SIFA lets you model relocations, tax changes, inflation scenarios, and withdrawal strategies so you see consequences, not predictions.
04
Multi-currency, multi-country
Built for financial lives that cross borders. GBP pension, AED salary, USD investments, all brought together in one unified timeline and one clear picture.
05
Built without an agenda
We don't sell products. We don't take commission. We don't coach. SIFA exists to give you clarity, pragmatically, honestly, and without an angle.
S
SIFA
● Online
What happens if I retire 5 years early?
Retiring at 62 instead of 67 reduces your funded years from age 100+ to age 84.
That's 16 fewer years of coverage. Your pot depletes £340K earlier because of 5 fewer contribution years and 5 more drawdown years.
Would you like to explore what increasing your contributions by 2% would do to close that gap?
Industry assumption
7.0%
"Average market return"
vs
Your actual rate
4.8%
Calculated from your data
That 2.2% difference compounds to £187,000 over 25 years.
Plans built on assumptions hide this gap.
Plans built on assumptions hide this gap.
Sell investment property
Releases equity, removes rental income
+£320K
↓ ripples through
Relocate to Portugal
Lower cost of living, NHR tax regime
−£18K/yr
↓ changes
Retirement moves forward
Freedom age drops from 67 to 61
−6 years
Three decisions. One connected outcome. Modelled, not guessed.
GBP Pension
AED Salary
USD Investments
SGD Savings↓
Unified net position
£847,200
All currencies, one timeline, one projection
What we'll never do
Sell you financial products
Take commission or referral fees
Use fear to drive decisions
Hide behind jargon or complexity
Pressure you to upgrade or act
Instead, we show you what's true.
Your numbers. Your timeline. Your decisions. Clearly.
Built by people who've seen behind the curtain.
SIFA was built by global banking veterans and cross-border execution experts who spent decades inside the system, paired with software engineers and AI specialists whose careers have been spent making complex tools feel obvious.
Before a line of code was written, we listened. Hundreds of highly qualified regulated financial planners gave their time to show us how they actually work with clients: the questions they ask, the explanations that land, the moments where confusion turns into clarity. From that, one question shaped everything: how do you make something this complex feel clear, calm, intuitive, and accurate? SIFA is the answer.
Industry knowledge from people who've lived it, built into technology that finally puts you in control.
100+
Years of combined experience
Real financial planners. Real client conversations. Real understanding.
Your data stays yours
No selling. No sharing. No third-party tracking. Encrypted and private.
Completely independent
No commission. No referral fees. No products to push. Just clarity.
14 insights. Every angle covered.
Explore your plan from every angle. Each module is a different lens.
Financial Snapshot
Net worth, milestones, and security status in one view
Freedom Modeller
Design your retirement and test what it takes
Life Event Modeller
Career breaks, children, and major life changes
Asset X-Ray
Every asset on one interactive timeline
Coast Milestone
When you can stop saving and still retire
Emergency Fund
How many months could you survive without income
Relocation
Compare how geography changes your financial future
Withdrawal Strategy
Compare four approaches to drawing retirement income
Inflation Illusion
See how purchasing power erodes over time
Investment Health
Are your investments earning their keep after fees
Idle Cash Drag
The cost of cash sitting still vs being invested
Debt Payoff
Optimal order, time saved, and interest avoided
Stress Testing
Test your plan against market crashes and job loss
Monte Carlo
1,000 market simulations, one clear probability
Quick Walkthrough
See SIFA in action
Powerful features as standard
No add-ons, no upgrades. Every feature is included from day one.
Property sale, downsizing & mortgage redemption
Set a sale date on any property. SIFA handles the rest: inflation-adjusted proceeds, automatic mortgage payoff, and replacement property costs.
Joint & couple planning
Different ages, different retirement dates, separate or joint assets. SIFA models staggered incomes and keeps everything connected.
Dream board
Weddings, sabbaticals, school fees, world trips. Drop life events onto your timeline and see the ripple effect across your entire plan.
Proactive alerts & milestones
SIFA watches your plan for you. Financial independence hit, debts cleared, liquidity warnings, and opportunities surfaced before you ask.
Cashflow that compounds
Unspent income doesn't vanish. SIFA accumulates your surplus, grows it over time, and deploys it when you need it.
Withdrawal priority ordering
You choose which assets get drawn down first in retirement. ISAs before pensions, savings before investments. Your rules, your order.
Tax friction awareness
Growth drag, withdrawal friction, property realisation costs. SIFA models the hidden tax cost eroding your wealth, adjusted by wrapper type and country.
Built for globally mobile lives
Cross-border assets, every currency in its native denomination, and country-specific tax regimes. Your plan follows wherever life takes you.
Every type of financial instrument
Pensions, ISAs, SIPPs, 401(k)s, property, crypto, stocks & shares, cash, business assets, vehicles, art. All in one plan.
Your financial picture, in plain English
SIFA grades your plan from robust to critical and tells you why. No jargon, no scores. Just a clear, honest summary of where you stand.
Every device, always in sync
Web, iOS, and Android. Plan on a laptop, check in on the go. Your finances stay in sync across every device, every time.
Everything saved, always
Every change is saved instantly in the background. No save buttons, no lost work. Stay focused on your plan, not data management.
What others say
Real people, real plans, real clarity.
★★★★★
"I'd been told I couldn't retire until 67. SIFA showed me that by adjusting two things, my pension contributions and my drawdown order, I could realistically stop at 61. No one had ever modelled that for me before."
★★★★★
"My wife and I have different retirement dates and separate pension structures. Every other app forced us into one profile. SIFA just gets it."
★★★★★
"I wasn't sure if I was saving enough or too much. SIFA showed me I could actually retire three years earlier than I thought. That changed everything."
★★★★★
"The stress testing sold me. I ran a worst-case scenario and it actually gave me peace of mind instead of panic."
★★★★★
"I retired early at 54 and was nervous about drawdown. SIFA modelled four different withdrawal approaches side by side. That clarity is priceless when it's your life savings."
★★★★★
"Simple. Clean. Not trying to sell me anything. Just facts."
★★★★★
"My IFA recommended it. Now I understand what he's been telling me for years."
★★★★★
"Calm, clear, honest. The whole experience feels like it was designed by someone who actually cares about getting it right."
Your money has been telling a story.
SIFA helps you read it.
Everything included. No tiers, no add-ons, no agenda.
TODAY
$0.00
Start your 7-day free trial. Then $19.95/mo billed in USD. Cancel anytime, no questions asked.
£200,000+
A 1% annual fee on a £500,000 portfolio costs over £200,000 across 30 years. SIFA shows you exactly what your fees are costing, in an afternoon.
- We never sell financial products
- We never take commission or referral fees
- We never use fear to drive a decision
- We never hide behind jargon
Everything, from day one
- Complete cross-border financial picture
- Diagnostic "what happens if" scenarios
- Real impact of inflation, fees & growth
- Interactive cashflow & asset timelines
- Conversational insights via Ask SIFA
- Global relocation & tax comparison
256-bit encryption
Cancel anytime
30-day money-back
No charge today.
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Questions?
Your current account balances, any regular contributions, and a rough idea of when you started. You don't need statements going back decades. SIFA reconstructs your history from what you know now.
Yes. All data transmitted to and from SIFA is protected by 256-bit AES encryption — the same standard used by banks and financial institutions worldwide. Our servers enforce modern TLS 1.3 protocols, with older vulnerable standards disabled entirely.
Beyond encryption, SIFA is protected by an enterprise-grade web application firewall, real-time intrusion detection, automated brute-force protection, and continuous malware scanning. Payment processing is handled entirely by Stripe — we never see or store your card details.
SIFA doesn't connect to your bank accounts, doesn't use Open Banking, and doesn't share your data with third parties. There are no affiliate links, no referral programmes, and no data monetisation. Your financial information exists to serve your plan — nothing else. You own your data.
Budgeting apps track where your money goes each month. Financial planners forecast where they think it will go. SIFA does neither. It reconstructs what has actually happened to your money, reveals the forces affecting it, and lets you explore consequences. It's diagnostic, not prescriptive.
That's exactly what SIFA was built for. Multi-currency support, multi-jurisdiction tax modelling, and the ability to hold assets across different countries and pension systems, all in one place.
No. SIFA is designed for intelligent people, not financial experts. Everything is shown visually first, with detail available on demand. If you can move a slider, you can use SIFA.
Yes. No contract, no lock-in. Cancel from your account settings whenever you like.
If SIFA doesn't change how you see your finances within 30 days, we'll refund you. No questions asked. We're confident it will, but the choice is always yours.