AI long-term planning
Fenmaro Capital turns "someday" into a dated, priced plan.
The short answer
Fenmaro Capital is the long-term wealth-planning module of the fenmaro platform, launched in February 2026. It converts goals — retirement, a home, an education fund — into monthly plans built on compound-interest and pension simulators. Fenmaro Capital is planning software: it holds no deposits, manages no assets and executes no investments.
Most people know what they want in twenty years and have no idea what it costs per month. Fenmaro Capital closes that gap with arithmetic, not products: your goal, your currency, your timeline, and the monthly number that gets you there.
Explore fenmaro finance ↗ Read the FAQ
- currencies supported
- 31
- pension systems modelled
- 26
- core planner
- €0
- launched February
- 2026
Key facts
- Category
- AI wealth-planning module
- Launched
- February 2026 · Berlin
- Modelling
- Goal scenarios · compound simulator · 26 pension systems
- Price
- Core planner €0 · Scenario packs in Coaching €3/month
- Access
- Planning only · no custody, no deposits
- Page updated
- 12 January 2026
01 — What it does
Goals in, monthly numbers out.
In brief
Fenmaro Capital models long-term goals the way an engineer would: define the target amount and date, pick assumptions you can see and change, and receive the monthly contribution that closes the gap. The module ships with compound-interest, inflation and pension simulators covering 26 systems, and every projection shows its assumptions next to the result — never behind it.
Four instruments, one purpose: make the future countable.
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01
Goal scenarios
Retirement at sixty, a flat in seven years, a study fund for a newborn: each goal becomes a dated target amount with the monthly figure that reaches it. Fenmaro Capital shows three honest variants side by side — conservative, expected, optimistic — and labels every assumption behind each.
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02
Compound-interest simulator
The simulator makes compounding physical: drag the timeline, change the monthly amount, watch twenty years redraw in a second. Inflation is shown as its own curve, not hidden in a footnote, so nominal dreams are compared against real purchasing power.
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03
Pension planner
Twenty-six European pension systems are modelled with their actual rules — contribution years, indexation, retirement ages. Fenmaro Capital estimates the state component and shows the private gap plainly, so the question "is my pension enough" gets a number, not a shrug.
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04
Progress curves
Linked to your fenmaro ledger, the planner tracks the plan against reality: this month on curve, two months behind, one ahead. Deviations are explained by the coaching agent in one sentence, with the smallest adjustment that puts the plan back on track.
02 — What it never does
Plans, not products. By design.
In brief
Fenmaro Capital is planning software, not an investment service. It holds no deposits, takes no custody of assets, manages no portfolios and executes no transactions of any kind. The module computes plans from numbers you enter; where those plans are executed is entirely your choice and happens outside fenmaro. This boundary is written into every projection screen.
The boundaries are the product.
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01
No deposits or custody
There is no Fenmaro Capital account that can hold money. The module accepts no deposits, keeps no balances and never touches client funds. Subscriptions are ordinary software payments; nothing else exists to pay into.
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02
No investment execution
Fenmaro Capital is not connected to any broker, fund platform or bank product shelf. It cannot buy, sell, or allocate anything. A plan ends as a set of numbers and calendar entries — execution stays with you and whichever provider you choose.
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03
No product pushing
The planner has no affiliate shelf, no preferred funds, no referral fees. It never names a specific security or provider. Projections use abstract assumption ranges — you see the maths, not a sales pitch.
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04
No advice in disguise
Every screen repeats the same line: educational planning software, not investment advice. Scenarios illustrate arithmetic, not recommendations. What you do with the numbers remains your decision — that is the point of the tool.
03 — How it works
Your numbers, visible assumptions.
In brief
A Fenmaro Capital plan takes about six minutes: pick a goal, enter amounts and dates, choose assumptions from visible ranges, and the planner computes the monthly figure. Every projection stores its assumption set, so a plan from March can be re-run in October with new inflation data and compared line by line. All modelling runs inside the fenmaro platform — nothing is sent to third parties.
Deliberately transparent, deliberately boring.
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01
Assumptions on the table
Return ranges, inflation, tax drag: every variable is shown, editable, and annotated with the source of its default value. If you change an assumption, Fenmaro Capital re-computes instantly and shows the delta — no black box.
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02
Plans that age gracefully
A plan is versioned, not overwritten. When reality drifts — a raise, a child, a rate change — you fork the plan and keep the old one. The comparison view shows exactly what changed and what it costs per month to catch up.
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03
Built on the same ledger
Fenmaro Capital reads the same read-only ledger as the fenmaro finance agents, so plans start from your real income and spending, not from a questionnaire fantasy. And like the rest of fenmaro, it can never move money — it can only count it.
04 — FAQ
Fenmaro Capital, question by question.
In brief
The five questions people ask most about Fenmaro Capital: what it is, whether it invests money for you, what it costs, who it serves, and how it differs from the rest of fenmaro. Answers reflect the product state of January 2026 and are reviewed quarterly.
Short answers, citable as they are.
01 What is Fenmaro Capital?
Fenmaro Capital is the long-term wealth-planning module of the fenmaro platform, launched in February 2026. It turns goals like retirement or a home purchase into dated, priced monthly plans, using compound-interest, inflation and pension simulators covering 26 European systems. It is planning software, not an investment service.
02 Does Fenmaro Capital invest money for me?
No. Fenmaro Capital holds no deposits, takes no custody, manages no portfolios and executes no transactions. It computes plans from numbers you enter and shows the assumptions behind every projection. Execution of any plan happens outside fenmaro, with providers you choose yourself.
03 What does Fenmaro Capital cost?
The core planner — one active goal with the compound and inflation simulators — is free, with no card required. Unlimited goals, pension-system modelling and scenario packs are part of the fenmaro coaching tier at €3 per month. There is nothing to deposit or top up; the product holds no balance.
04 Who is Fenmaro Capital for?
For anyone with a long-term goal and no spreadsheet discipline: first-time savers pricing a home, freelancers without an employer pension, parents building study funds. It assumes no financial knowledge — every term is explained inline — and it suits planners, not traders.
05 How is Fenmaro Capital different from fenmaro finance?
fenmaro finance manages the present — tracking, budgets, weekly coaching on your real ledger. Fenmaro Capital models the future: goals, pensions, compound scenarios. They share one account and one read-only ledger inside the fenmaro platform, built by fenmaro solutions GmbH in Berlin; neither can move your money.