CEON Business Systems B.V. · The Hague
CEON builds focused tools for private investors. When can you stop working? Will the money last? Which companies are quietly buying back their shares? One product per question, each built to explain itself.
Net worth · to age 100
€410k today
Our products
Two planners that are live today, one tracker on the way, and a short list of questions we still want to answer.
Retirement planning · yourfi.ai
Savings, house, pension and tax in one plan, projected year by year to age 100.
Pensioenplanning voor Nederland · vrijvermogen.nl
The Dutch edition of the planner: spaargeld, huis, pensioen en box 3 in één plan, tot je 100e.
Share buybacks, decoded · buybacks.guru
Track share buybacks across markets: programmes announced, shares actually retired, and what it means for what you own.
How we build
Our tools never ask for your bank login. You import an export or connect read-only, and nothing can move your money.
Every projection comes with a plain-language note on what changed and why. It explains your numbers; it is not advice.
Box 3, the AOW, a fiscal partner’s allowance, mijnpensioenoverzicht.nl. Country rules are built in, not bolted on.
A complete plan costs nothing. Pay only for the heavy lifting: stress tests, scenario runs and reports.
Inside the planner
YourFi and VrijVermogen are the same planner, tuned for different markets. This is what it does with your numbers.
Every plan runs to age 100. The stop date, the pensions, the mortgage payoff and the year the money would run out, all on one timeline.
Exports and PDFs load straight in. No bank login, no screen-scraping.
Every what-if runs across 1,000 random market paths. Then 2008, 2020 and 2022 are replayed on what you hold today.
Under every chart sits a short note in plain language.
“Your net worth rose €18k this month, mostly from the DEGIRO account. The plan still reaches 100 with about €140k to spare. Nothing needs attention.”
Connect your plan read-only to the assistant you already use.
Could I stop at 60 instead of 61?
Yes. Stopping at 60 still lasts to 100, with about €95k less to spare, because your AOW starts at 67 either way.
Start today
A complete plan is free. Pro is there when you want the stress tests, the scenarios and the reports.