Pull to refresh app

Net worth

History range
Breakdown
Project ahead
Totals
Net worth $0
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Total assets $0
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Total debt $0
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Assets
Home value $0
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Retirement $0
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Brokerage $0
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Cash accounts $0
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Debts
Mortgage $0
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Credit cards $0
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Other loans $0
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Calculated
Cash after cards Cash accounts − credit cards $0
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Liquid after cards Cash accounts + brokerage − credit cards $0
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Home equity Home value − mortgage $0
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Transactions

Search, filter, and relabel transactions.

$0 $2000+

Choose a category to update a transaction.

Re-extract merchant names and auto-categorize uncategorized transactions

Large Transactions

$100

Budget

This month

Flexible spending left
$0
Daily pace
$0
Forecast $0 by month end ·
Typical spending
$0
/mo
Needs attention
$0
/mo · review categories
Ending expenses
$0
/mo · costs with an end date

Spending by category

Ways to save
Monthly set-asides
Recurring

Detected

Tracked bills

$0
Mortgage, daycare, utilities, insurance, subscriptions

Income & spending

Last 6 Months

Income
$0
Spending
$0
Investments
$0
After Spend + Invest
$0

Income, spending & investing

Monthly cash received, spent and invested. The line is what remained; transfers and card payments are excluded.

Money Flow

Income → where it goes for the selected range (click a category to view transactions).

From cash flow to retirement

The Advisor uses a trailing 12-month income and spending baseline. Its annual figures may differ from the range selected above.

See the retirement plan →

Top Merchants

Retirement

Retirement plan

Historical replays loading…

Retire at
55

Selected age

Historical range

portfolio at selected age

Retirement funding today's dollars per year

FIRE targets show on chart

Stay or move

Loading mortgage benchmarks…

National averages, not lender quotes. Selling and purchase costs are estimates; a blank rate uses the dated benchmark.

Plan details & assumptions

Amounts cover the household on one shared age timeline. Social Security is the combined benefit; spouse ages and claiming dates are not modeled separately. Level spending includes federal tax on pre-tax withdrawals; other modes show pre-tax draws. State withdrawal tax, brokerage gains and RMDs are outside the main path.

More assumptions

FIRE lines — earliest age you could retire on…

Supporting analysis

Annual draw · before tax

Model inputs and limits

Inputs
Retirement ages and life phases

When can I go?

Before-tax portfolio draw

Life phases

Balance sheet at this age

HSA expenses

Unreimbursed
$0
Total: $0 · Reimbursed: $0
Add expense

Records

Date Vendor Description Amount Status Reimbursed Notes

Home improvements

Capital improvements

Capital gains threshold
$0
Purchase: — · Tax-free up to: —
Add improvement

Records

Date Project Vendor Property Amount Notes

Kids’ gifts

Past value
$0
Current: $0 · Change: $0
Add gift

Records

Date Recipient Vehicle Past Current Change Notes

Tax projection

Tax year

Tax year

Tax Documents

Tax documents found in the configured documents folder

Settings

Change what the dashboard assumes about your household without editing files. Each field says where its value comes from: your config file or the built-in default, or a value set here, which wins.

Profile

Used to work out your current age for the retirement plan.

The age at which a child’s costs stop counting in the plan.

Children

Used for the child tax credit and for kids’ planning. A label and a birth year for each child, up to 12. An expected birth counts by its year.

Plan

Retirement-planning assumptions. Everything here is in today’s dollars; blank means the plan uses its own default.

Yearly spending in a frugal retirement, in today’s dollars.

Yearly spending in a typical retirement, in today’s dollars.

Yearly spending in a generous retirement, in today’s dollars.

Gross earned income per year before tax and 401(k), in today’s dollars. Leave blank to estimate it from deposits.

The combined household benefit in today’s dollars, at the claiming age below.

The age benefits start.

The age full-time earnings end in the plan.

The age part-time earnings end. Equal to the retire age for no sunset phase.

Pay growth above inflation. 0 holds pay flat in today’s dollars.

Level solves one steady after-tax spending figure from now to the end of the plan; the default extends your recent spending.

The employer whose 401(k) qualifies for the Rule of 55. Matched against account names.

Which accounts the age-55 bridge may draw on.

The age you leave that employer. The Rule of 55 needs 55 or later.

Words that mark an account as your partner’s, matched against the account name and institution. One per line, up to 10.

Childcare

A known forward commitment, so the plan does not guess from past spending.

What childcare costs per month while it is paid.

The first calendar year childcare is paid.

The last calendar year childcare is paid. The plan frees that money afterward.

Features

Switch parts of the dashboard on or off. Something you turn off disappears from the navigation.

Tax

Applies to the tax year view and the tax projection.

Picks the tax brackets and thresholds.

Take the standard deduction, or itemize with the estimate below.

Used only when Deduction is Itemized.

Data & import

Manual assets & debts

Import net worth history (CSV)

Upload a CSV with columns: date, net_worth (or date, assets, liabilities)

Import from Credit Karma

Extract your net worth history from Credit Karma using browser console.

  1. Log into Credit Karma, go to Net Worth page
  2. Open DevTools (F12) → Console
  3. Paste the script below and press Enter
  4. Paste the copied JSON in the box below

Manual entry