millefold
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// ABOUT

A wealth OS for people who think in decades.

Most apps point at the next 24 hours and call it "data." Millefold points at the next forty years.

You log what you own and owe — across stocks, crypto, cash, debt, tangible assets. You watch a single discipline score grow as your habits compound. You let the projection chart spell out, in unforgiving math, what consistency actually buys you.

We don't surface ticker noise. We don't push trades. We don't sell your data — there's no ad model and there never will be. The product is the workbench. Your wealth is yours.

WHY MILLEFOLD

The word millefoldappears once in print, in John Florio's 1603 English translation of Montaigne's Essays.

Montaigne was writing to Madame d'Estissac about her young son — too young to notice what his mother had done for him. So Montaigne wrote it down, in case the son one day came to read it:

“Because, by reason of his childhood, he could not take notice of the exceeding kindnesse and millefold offices he hath received from you… if ever these my compositions shall happly one day come into his handes… he receive this testimony in all veritie from mee.”

A thousand small acts of care, kept on the page so the next generation could one day find them.

Four hundred and twenty-three years later, the word is being used again — for a tool that does the same thing with a different kind of legacy. Millefold tracks the thousand small acts of financial discipline that compound, over decades, into something worth handing over.

First seen in print 1603. Reborn 2026.

WHAT WE BELIEVE
Time is the actual edge.
A 7% real return for 30 years beats a 14% return for 10. We optimise for the longer leg.
Behavior > allocation.
Most portfolio damage is self-inflicted. The score grades you, not your holdings.
Honesty over hopium.
Past returns are not future returns. Inflation matters. Tax matters. We show both.
Build slow. Compound fast.
No infinite scroll, no streak guilt, no engagement loops. Open it when you have a reason.
— THE BUILDER —
M
@architect — Panevėžys, LT

One person, building in the open. The whole stack — UI, backend, tax framing, projection math, the dumb little square in the logo — comes from one keyboard. Closed beta now, opening up in waves.

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