Tell us your monthly income, expenses, and what you've already saved. All data stays in your browser.
Monthly Income
For Self-employed, freelancer, or a business owner — enter your average monthly income (after tax) and pick a conservative number if it varies month to month.
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Many US employers add free money to your retirement account when you contribute. Enter the % of pay they match up to — e.g. for "100% up to 4%," then enter 4.
If not sure? Check your pay stub or HR portal else leave it blank.
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Mostly your employer match is based on gross (pre-tax) pay, and not on your actual income (after tax). You can find it on your pay stub as "Gross Pay" or "Total Earnings."
If not sure? Leave it blank — we'll use your income (after tax), but this will give a slightly lower (conservative) number.
Monthly Expenses
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Existing Savings(if any)
Only enter money you're willing to put toward these goals — leave out your emergency fund or anything already earmarked for something else.
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High-Interest Debt(if any)
Credit card or any loan above ~7% APR only. Enter just the total outstanding balance and rate (not the monthly payment). If the debt is interest-free (e.g. a 0% promo), enter 0 as the rate.
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Monthly surplus (available for investing)
Step 2 of 3
Goal Builder
Add 1 to 5 financial goals based on priority — we'll calculate exactly how much to invest monthly for each.
1
Goal 1Required
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yrmo
Quick-fill:
Goal type:
This field is auto-detected based on your goal. Change it if we got it wrong.
Adjust for inflation?
Yes → Good for most goals. We'll increase your target to match future prices so you're not short. No → Use this only if you already know the exact future price (e.g. a contractor quoted you $50,000 for a renovation next year).
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Goal 2
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yrmo
Quick-fill:
Goal type:
This field is auto-detected based on your goal. Change it if we got it wrong.
Adjust for inflation?
Yes → Good for most goals. We'll increase your target to match future prices so you're not short. No → Use this only if you already know the exact future price (e.g. a contractor quoted you $50,000 for a renovation next year).
3
Goal 3
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yrmo
Quick-fill:
Goal type:
This field is auto-detected based on your goal. Change it if we got it wrong.
Adjust for inflation?
Yes → Good for most goals. We'll increase your target to match future prices so you're not short. No → Use this only if you already know the exact future price (e.g. a contractor quoted you $50,000 for a renovation next year).
4
Goal 4
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yrmo
Quick-fill:
Goal type:
This field is auto-detected based on your goal. Change it if we got it wrong.
Adjust for inflation?
Yes → Good for most goals. We'll increase your target to match future prices so you're not short. No → Use this only if you already know the exact future price (e.g. a contractor quoted you $50,000 for a renovation next year).
5
Goal 5
$
yrmo
Quick-fill:
Goal type:
This field is auto-detected based on your goal. Change it if we got it wrong.
Adjust for inflation?
Yes → Good for most goals. We'll increase your target to match future prices so you're not short. No → Use this only if you already know the exact future price (e.g. a contractor quoted you $50,000 for a renovation next year).
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Step 3 of 3
Your Financial Plan
Here's your personalized, month-by-month investment roadmap.
Disclaimer: Return estimates are long-run historical averages (stocks ~10%, bonds ~4–6%, T-bills/CDs ~4–5%) and your actual results will vary. This tool is for educational purposes only — not registered investment advice. Consult a qualified financial advisor before making large investment decisions.
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Estimate your target
Not sure how much you'll need? Estimate it below — we'll fill in the target for you.
Estimated target
Building Your Plan
Crunching the numbers just for you…
○Analyzing your monthly surplus
○Optimizing goal timelines
○Selecting investment mix
○Calculating monthly amounts
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