Financial Planner

Project income, expenses, properties, and net worth from today through retirement. Edit any field and watch every projection update in real time.

Year: —
Years to Retirement: —
— auto-saving on edit —
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Section 1.1 — Personal Info Financial Baseline
Your age today.
Year you stop working full time.
%
Combined federal + state effective rate.
%
Default raise rate when raise % blank.
Section 1.2 — Your Jobs up to 10 jobs · per-job pre-tax deductions
Section 1.3 — Your Portfolio allocation · balances · returns
Asset Allocation
%
Expected annual return: %
Dividend yield: %
%
Expected annual return: %
Dividend yield: %
Dividend handling:
Allocation Total
100%
Blended Return
6.4%
Current Account Balances
$
Savings return rate: %
$
Return rate (blank = blended —): %
Annual addl. contrib. $ — above job 401k
$
Return rate (blank = blended —): %
Annual addl. contrib. $
$
Return rate (blank = blended —): %
Portfolio Net Worth (excl. real estate)
$0
Emergency Months
Emergency Fund Target (Yr 1)
$0
Income & Portfolio Projection — years
Net Spendable (Yr 1)
$0
After taxes & pre-tax deductions
Net Spendable (Retirement)
$0
Final working year
Cumulative Net Spendable
$0
All years to retirement
Projected Portfolio @ Retirement
$0
Excludes real estate
Income (through retirement + 10 yrs)
Revenue here is W‑2, rental, match, dividends to cash, then payroll & withholding — not lifestyle or housing. Those costs live on the Expenses tab. Cash revenue at the bottom is net spendable; Summary compares it to Expenses‑tab totals for P/L.
Income Table
Portfolio Year-by-Year Jan 1 openings · Dec 31 endings
Through retirement + 10 years · dashed line = retirement year · Stacked balances use income_only ledger (expenses/deficit waterfall omitted).
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Lifestyle Expenses housing pulled from Properties tab
Enter the monthly cost — annual is auto-calculated as monthly × 12. Edit any field to update projections instantly.
Category Monthly Annual (monthly×12) Inflation Year 1
Default categories cannot be deleted — set to $0 to remove from projection.
Property Housing Costs pulled from Properties tab
Total annual housing cost = mortgage P&I + property tax + insurance + maintenance + HOA + other. The "Ownership Costs" column excludes the mortgage payment (taxes + insurance + maintenance + HOA + other only).
Expense Summary (Year 1)
Year-by-Year Expense Detail
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Summary

Full snapshot of your plan. Resolve any warnings below before continuing to Models.
Plan Viability
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Section 1 — Financial Baseline Recap
Personal Profile
Portfolio & Allocations
Current Account Balances
Section 2 — Income Projection Summary
Section 3 — Expenses Projection Summary
Lifestyle Categories (Year 1 Annual)
Mortgage Payoff Timeline
Section 4 — Cash Flow vs Expenses (Year 1) & Deficit
After taxes, pre-tax deductions, and all expenses (lifestyle + housing), this is what's left each year. Surplus is invested; a deficit must be drawn from an account.
Status —
Section 5 — Surplus Allocation automatic
How surplus is automatically distributed between savings (until emergency target) and brokerage.
Step 0 · Inputs
Cash revenue (net spendable)$0
Total expenses (Expenses tab)$0
Operating surplus / deficit (Yr 1)$0
Step 1 · Fill Emergency Savings
Top up savings to reach $0 (3 months expenses).
$0
Current savings: $0
Step 2 · Invest Excess
Anything left over flows to your brokerage / taxable investments.
$0
Compounds at the blended return.
Section 6 — Net Worth Projection & Real Estate

Charts and summary tables come from your inputs and this app’s projection engine—the same figures as CSV export—not from an uploaded Excel workbook.

Net worth & deficit drawdown funding

Lines (left): total net worth (financial accounts + all modeled property equity); Portfolio = savings + 401(k) + Roth + brokerage + modeled equity in non–primary-home real estate only (investment/vacation). Primary home equity is included only in total net worth. Right axis: annual deficit_drawdown plotted below $0 (cash out of accounts after net spendable; 401(k) draws net of assumed withholding).

Real Estate Detail
Section 7 — Full projection detail matches Download CSV · years as columns
Table: same numbers as ⬇ Download CSV, grouped · row order is optimized for Revenue → Payroll → Cash revenue → Expenses tab → surplus (CSV uses a simpler row order). Chart: modeled operating surplus (= net spendable − Expenses‑tab total) per year.
Section 8 — Validation Alerts & Warnings