Getting Started

1. Add your people

Start on the People page: you, plus a partner if you have one. Birth year, retirement age, and life expectancy define the timeline every projection runs on. (Children are usually modeled as expenses, not people.)

2. Enter what you own and owe

• Accounts — checking, savings, brokerage, retirement. Add allocations if you want returns tailored to your actual mix.
• Assets — home, vehicles, other property. You can create the mortgage or car loan right from the asset.
• Debts — anything not already created from an asset: credit cards, student loans, personal loans.

3. Add your cash flows

Income (salary, pensions — not dividends, those are automatic) and Expenses. A single lumped "living expenses" line is a fine start — you can split it up later. Anchor things to Life Events ("salary ends at Retirement") so the plan updates itself when dates move.

4. Watch the projection, then stress-test it

The net worth chart on the right of most pages updates live as you enter data — it's a single expected-path projection to life expectancy. When your data feels complete, run the Monte Carlo simulation to see the odds your plan survives a thousand randomized futures, and check the Dashboard for your at-a-glance numbers. Tweak assumptions in Settings if you disagree with the defaults.