MoneyTree

What if you could see your financial future?

Money Tree Notes turns investing into something you can watch grow. Plant a virtual money tree, feed it with paper-trading investments at real market prices, and watch it flourish as your portfolio climbs toward your FIRE number — the point where your money works so you don't have to. When you get there, your tree flips into harvest: your wealth bearing fruit, year after year.

🌱 GROW YOUR TREE
Your tree grows with your portfolio. Every contribution, every market move, every reinvested dividend feeds it. Reach financial independence and harvest it.

⏳ THE TIME MACHINE
Don't wait 30 years to find out if your plan works. Simulate decades of contributions and compound growth in seconds, watch your tree race through the years, and see exactly when you'd reach FIRE — then tweak your monthly amount and try again.

📈 60 REAL FUNDS, LIVE PRICES
Practice with the real thing:
- Global index ETFs — the classic one-fund portfolios
- UK investment trusts dating to 1868 — the 150-year-old compounders, including trusts that turned a maxed ISA into £3m+
- US income funds that have paid dividends through every crash since 1929
- The hidden gems: family holding companies like Berkshire Hathaway, Investor AB and EXOR — permanent-capital vehicles dynasties have used for generations
Each unusual category comes with a plain-English explainer of what it is and what to watch out for.

🎯 BUILT FOR FIRE
Set your financial independence goal, and everything — the calculator, the tree, the Time Machine — works toward that number, based on the 4% rule.

🔒 ZERO RISK, FULLY PRIVATE
This is a paper trading simulator. No real money, no bank account, no sign-up servers — your entire portfolio lives on your device and nowhere else. We collect nothing. Real market prices, fictional money: all of the learning, none of the losing.

Whether you're 20 years from FIRE or just FIRE-curious, plant your tree today and watch what patience and compounding can do.

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Money Tree Notes is an educational simulator. It does not provide financial advice, and simulated performance does not predict real returns. Capital in real investing is at risk — learn here first.