Zealth
ScenariosInvesting

Invest it, or keep it in cash? See both before you choose.

Zealth shows how much cash you actually need on hand, and what the rest could do for your freedom date if you put it to work.

Or start on the web. Free during beta.

The Zealth plan: net worth to retirement, over the expenses and savings behind it
QUEST DONE
Fees checked
SPARE CASH
Ready to compare

App screen shown for illustration.

Cash feels safe. But too much of it, for too long, can quietly cost you years.

How Zealth helps

Know what to keep, what to invest, and what waiting costs.

01 / Quests

Quests

Start without the jargon. Bite-sized lessons and actions: what an index fund is, what you're paying in fees, how much to invest each month.

02 / Predictions

Predictions

Cash and invested, side by side. See how the same money might play out over ten, twenty or thirty years.

03 / Freedom date

Freedom date

See the cost of waiting another year to start, measured in the one thing that matters: when you get your time back.

Your quest log

From "I should invest" to invested.

  1. Work out how much cash you really need4 min
  2. Learn what an index fund is2 min
  3. Set a monthly amount to invest3 min
  4. Check what you're paying in fees5 min

Example quests. What you see in the app depends on your plan.

Hypothetical prediction

What if $20,000 of spare cash was invested instead?

Emergency fund stays put. Only the extra moves.

Kept in savings
Freedom date 2049
Invested for the long term
Freedom date 2046

3 years back.

Hypothetical, illustrative example. Investing involves risk, including possible loss of principal. Returns aren't guaranteed.

What Zealth does for you

Know your "enough" cash number, so the rest can stop sitting still.

See what waiting another year to start actually costs you.

Investing explained in two-minute bites. No jargon, no lecture.

How it plays out · Illustrative case

Sam, 38. $40,000 in a savings account and a nagging feeling.

Sam's been "about to start investing" for five years. Every time the market moves, the start date moves too.

  1. Week 1

    Works out an emergency fund of $20k is plenty. The other $20k has been sitting idle. Freedom date: 2049.

  2. Month 1

    Runs the cash-versus-invested prediction, learns the basics in a few short quests, and sets a monthly amount.

  3. Month 6

    Investing every month on autopilot. Freedom date: 2046. The nagging feeling's gone.

Sam is an illustrative example, not a real customer.

Quick questions

Worth asking about investing.

Still curious? The homepage walks through the whole app.

No. Zealth helps you understand your options and see how different choices could affect your plan. It doesn't recommend specific investments.

Stop guessing what your cash could be doing. See it.

Free during beta. Takes about five minutes to set up.