3D Finanzplaner — Wealth simulation platform

Context

Mehrwert Consults GmbH needed a modern tool for financial advisors to project client wealth evolution, accounting for multiple asset types, tax implications, and life events. The starting point was a legacy Excel file containing all the calculation logic. The platform is live at 3d-finanzplaner.com.

Challenge

The core challenge was translating a complex Excel-based workflow into a proper SaaS without losing the calculation patterns advisors already relied on, while delivering a far better user experience. Specific difficulties:

• Complex data tables: bidirectional tables mixing simple entities with relational entities, requiring a custom table architecture
• Future planner (Zukunftsplaner): a simulator showing how a given capital would evolve when liquidated over N years at rate X, helping clients plan for financial independence
• Access control: a full permission system allowing users to share their data with other users (advisors, clients, partners)
• Infrastructure security: AWS configuration and hardening for sensitive financial data

Approach

I designed and built the platform jointly with the client and a graphic designer, iterating progressively from the Excel analysis to the final product. The work started with understanding the financial advisory business, then defining a target data structure that preserved Excel’s calculation patterns without delivering an Excel-like experience.

Key technical work:

• Domain analysis: deep dive into the legacy Excel to extract business rules, calculation formulas, and data relationships
• Co-design: iterative design sessions with the client and a graphic designer to shape both architecture and UI
• SaaS features: user management, role-based access control, data sharing between users
• Future planner: capital liquidation simulator with configurable duration and interest rates
• Complex tables: custom bidirectional table components handling mixed entity types
• AWS infrastructure: secure deployment with proper access controls for financial data

Result

The platform is used by financial advisors in Germany. It replaced error-prone spreadsheet workflows, enabling advisors to serve more clients with better accuracy and a professional client-facing experience.