Product roadmap

Build the financial control system in layers.

The roadmap prioritizes privacy, understandable calculations and the highest-impact household decisions before adding more complex integrations.

Available now

Encrypted local vaultBrowser-based encrypted finance storage with local calculations and automatic lock.

Cash flow & categoriesManual transactions, CSV import, budgets and monthly category visibility.

Net worth & debtAssets, liabilities, APRs, minimums and debt-priority views.

Savings goalsTargets, contributions, emergency-fund runway and forward cash projection.

Financial Health benchmarkCompare local expense allocation, reserve and debt signals with a transparent BLS-based peer estimate for the same income quintile and Census region.

Financial Control GuideEducational guidance across spending, credit, reserves, investing, retirement, insurance, taxes and reviews.

Encrypted device syncOptional QR-based trusted-device pairing, encrypted relay and conflict-aware cross-device updates.

Income Project LabBrowse realistic low-maintenance income ideas, choose one focus project, track milestones, results and completed-project history.

Improving now

Financial Health depth

Expand beyond cash flow, liquidity, debt and expense allocation into retirement progress, portfolio concentration, protection gaps and goal funding while keeping calculations explainable.

Peer benchmark precision

Upgrade the current transparent regionalized BLS income-quintile estimate to audited exact BLS region-by-income cross-tabulated data when a controlled refresh pipeline is available.

Shareable calculators

Credit-card payoff, utilization, emergency fund, savings rate and net-worth calculators that work without requiring a finance vault.

Device sync hardening

Expand testing, rate limiting, device revocation and independent security review.

Editorial trust system

Continue source reviews, explicit update dates and clear separation of official guidance from ShareCapsule opinion.

Income project personalization

Later match project suggestions to available time, skills, startup budget and desired maintenance level without promising returns.

Under consideration

Mortgage planningAffordability, payoff choices, refinancing comparisons and home-cost tracking.

College planningGoal funding, education-cost scenarios and savings progress.

FIRE / independenceSavings rate, spending assumptions, withdrawal scenarios and milestone tracking.

HSA & healthcare planningHealth-plan cost comparisons and long-term HSA strategy education.

Social Security planningEducational claiming-age scenarios based on official benefit assumptions.

Estate readinessBeneficiary, document and household-access checklists without storing sensitive legal documents by default.

Tax-aware investingEducational views of realized gains, account location and tax-sensitive actions.

User-owned encrypted storageExplore encrypted sync to storage controlled directly by the user in addition to ShareCapsule relay options.

Roadmap principle

We should not add a feature simply because another finance app has it. A feature should either improve financial control, improve privacy/security, reduce repetitive work or make an important decision easier to understand.