Heivol Finance
Your whole financial picture in one private place — budget, net worth, retirement projection, and a strictly read-only link to your Saxo Bank portfolio. Hosted in Denmark, never sold or mined. Heivol never trades and never moves money. Free for everyone with a Heivol account.
What it does
One picture, one baseline
Net worth, monthly net, and a retirement/FIRE projection, all built from a single budget baseline — change one number and watch the long-term picture move with it.
Read-only Saxo Bank link
Connect your Saxo Bank portfolio for live balances and positions. The link is strictly read-only — Heivol never trades, never moves money, and never places an order on your behalf.
Danish loan-rule calculator
A built-in calculator that models Danish lending rules, so you can sanity-check affordability and headroom against the numbers a bank would actually use.
Retirement & FIRE projection
Project your path to financial independence — contributions, growth assumptions, and target date — and see how today's choices shift the year you could stop working.
Hosted in Denmark, never mined
Your financial data lives on Heivol's own hardware in Denmark under Danish and EU law. It is never sold, never used to train models, and never mined for ads — a permanent commitment, not a setting.
Login with Heivol Identity
The same SSO that signs you into the rest of Heivol — no new account, no extra password, no third-party finance provider holding your data.