Disclaimer
Please read before using this tool.
Not investment advice
OwnFinancialPlanning is an educational financial planning tool. It is not a registered investment advisor. Nothing on this site constitutes a recommendation to buy, sell, or hold any specific security or financial product.
Return assumptions
Equity index fund returns (~10% /yr) reflect the 30-year historical average of the US stock market. Short-term rates are periodic estimates based on prevailing US rates. Past performance does not guarantee future results.
No product sales
We have no financial relationship with any bank, brokerage, fund company, or financial institution. All instrument names (VOO, VTI, VXUS, BND, etc.) are examples only — we earn no commission, referral fee, or kickback from any product the tool mentions. The site is funded solely by third-party display advertising (such as Google AdSense), which is kept entirely separate from our planning logic and has no influence on the recommendations you receive.
Consult a professional
Before making significant financial decisions, consult a qualified and licensed financial advisor who understands your complete financial situation, goals, and risk tolerance.