Financial wellness

Less searching through numbers.
More understanding.

Turn your forecast into a set of clear questions about your financial life. See what looks healthy and what deserves a closer look.

Build your forecast Explore an example

MoneyWhatIf financial wellness scorecard with status filters and cards for savings, retirement readiness, and other plan metrics. — A scorecard drawn from the same numbers as your forecast.Illustrative example

See what’s possible

What deserves your attention first?

Start with the scorecard, choose a question that matters to you, and follow it back into the plan.

Read the detailed guide

Read the plan one question at a time

Explore focused measures of savings, retirement readiness, withdrawal pressure, cash reserves, and other financial patterns.

Find the areas to revisit

Filter by verdict to focus on the parts of your forecast that merit attention.

See whether a change helps

Compare before-and-after results while exploring a What-If, with each verdict grounded in the changed projection.

Explore the details

Make a cash-cushion question actionable

A liquidity reading becomes more useful when you can trace it to an assumption. The cash reserve setting defines how much of the household’s outgoings should remain available before surplus money moves elsewhere. Review that setting together with the wellness measures and the years when the budget becomes tighter.

Connect the reserve to the household’s actual modeled costs.
Check whether a larger reserve changes funds available for investing.

Cash-flow priority keeping four months of outgoings as a cash reserve. — Connect the cash cushion to the household’s modeled costs.Illustrative example

From a question to a clearer picture

Find the questions that deserve a closer look

Wellness organizes the same forecast into focused readings of savings, retirement, income, spending, and debt.

Start with a plan that reflects your assumptions
Review balances, income, expenses, retirement timing, and debts before opening the scorecard. Each card depends on those inputs. A missing account or an unrealistic spending assumption can change several readings at once, even when the page itself contains no editable figures.
Choose a useful filter
Read the summary, then filter for Strong, Progressing, or Needs attention. Within each category, open the explanation below the number. Follow an Open the page link where available to inspect the projection, taxes, estate, or resilience detail behind the card.
See which readings a change affects
Explore a plan change in What-If and return to Wellness. The Changed by this what-if edit filter gathers cards whose figure or rating moved. Compare the previous reading with the new one, then examine the underlying years before deciding what to keep.

Connect the whole plan

Explain the pressure behind a score

A headline measure can hide several different life stages. Opening the spending view shows when family commitments, mortgage payments, debt, and healthcare overlap. This helps connect a wellness question to the years and expenses behind it, making the next assumption to investigate more concrete.

Identify years with overlapping commitments.
Distinguish a temporary cost peak from an ongoing expense.

Lifetime spending chart with housing, family, debt, and health costs shown as separate bands. — The annual budget changes as one chapter gives way to the next.Illustrative example

One way to use it · illustrative scenario

See more than one effect of a retirement-date change

Imagine a household considering a later retirement date. It wants to see how the extra working period changes the financial picture.

Try an example plan

The choice to explore

In a hypothetical What-If, move retirement timing and review the associated income and expense dates.

Where to look

Return to the scorecard and inspect changed retirement, savings, and cash-flow readings. Follow any relevant links to see whether the result comes from extra contributions, a shorter withdrawal period, or another assumption.

What you could learn

The value of the scorecard is the set of questions it surfaces. Different cards can move in different directions, and some may remain unchanged.

Make sense of what you see

Understand what a verdict is saying

Read the sentence beneath the number

A card's explanation identifies its time period and calculation. A savings measure covering working years, a current cash-flow figure, and an end-of-plan balance describe different parts of the forecast even when they share the same rating color.

Some cards provide context

For information and Not in this plan are distinct from the three rated states. A retirement countdown can be useful without receiving a good-or-bad verdict. An inapplicable metric is not a failed check that needs to be fixed.

Read changes in the card's own direction

Earlier financial independence and money lasting longer are different kinds of improvement. The What-If comparison shows the prior value and any rating change, helping you interpret the move instead of assuming every larger number is preferable.

A little more detail

Good questions to start with.

Is the headline percentage a probability of success?

No. It summarizes the share of rated wellness metrics classified as Strong. The separate Chance the money lasts card reads historical simulation results. Neither the summary percentage nor a green card guarantees a future outcome.

Why does a card say Still dealing or Not in this plan?

The resilience-related reading waits for its historical runs to finish. If the plan has no accounts that follow a market index, there is no simulated success rate to display. Other cards can be inapplicable because the relevant account or household feature is absent.

Are the ratings personalized financial advice?

The numbers come from your modeled plan, while the rating thresholds are planning heuristics. Use the explanation and supporting page to understand each reading. The scorecard does not assess every personal priority or turn a threshold into a required action.