The screens

The plan editor

The sections of your plan, what each one controls, and how saving, undo and the completeness check work.

Updated

The plan editor, titled Your plan, holds everything the projections use. Every change saves automatically and can be undone with the undo button at the top of the screen, or with Ctrl+Z (Cmd+Z on a Mac).

Plan complete

A Plan complete card shows how much of your plan is filled in. It lists gaps marked as high, medium or low impact. Start with the high-impact ones. They change your results the most.

The sections

SectionWhat it holds
PeopleEach household member's name, birth year and planning age
IncomePay, bonuses, pensions, annuities, rental and other income, with start and end dates and growth
SpendingEssentials and flexible items with priorities, one-time goals, and spending that changes with age
AccountsEvery account with owner, type, balance, cost basis and contributions
Social SecurityEach person's benefit source and claiming age
Debts and homeMortgages, loans and property, including property you'd sell if needed
HealthcareCoverage before Medicare, marketplace premiums, Medicare and out-of-pocket costs
Spending strategyHow spending adjusts in retirement, such as steady spending or guardrails
Saving and withdrawal orderYour cash buffer, where surplus cash goes, and which accounts pay for spending
Taxes and where you liveFiling status, state, planned moves, Roth conversions and how tax brackets grow
Market and inflation assumptionsExpected returns, volatility, inflation, asset mix and the simulation method

Each section page has a ← Plan link back to the list.

Defaults are marked

Assumptions you haven't set yourself show a "using a default" marker. Defaults are starting points, not forecasts. The market defaults are 8.5% a year for US and international stocks and 4.5% for bonds, before inflation, with 2.5% general inflation. Healthcare costs rise faster by default.

Priorities in spending

Each flexible item has a priority. When a spending strategy lowers your budget in a bad year, the lowest-priority items are cut first. Within the same priority, items are cut in proportion. Essentials aren't cut unless you allow it.

Scenarios

If a scenario is active, edits apply to the scenario, not your base plan. The scenario selector at the top of the screen shows which one you're editing. See scenarios.

Other plan screens

From the plan editor you can also open Rules, Insurance, Estate and Scenarios.