Life & family planning

A plan for your money.
Built around your life.

Careers change. Families grow. Priorities move. Give your real-life milestones a place in the forecast, and see the financial story around them.

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MoneyWhatIf life scenario picker with retirement timing, career breaks, a one-income household, children, buying a home, and a market crash. — Put the timing of life’s changes into the same plan as your money.Illustrative example

See what’s possible

What if life takes a different turn?

Explore the cost of a career break, a growing family, or a new chapter without losing sight of your longer-term plans.

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Make room for a changing career

Model separate income streams, raises, pensions, and a transition out of work. Set when each starts and ends.

Include the people you’re planning for

Bring a partner, children, education costs, and changing household expenses into the picture.

Give important moments a date

Place purchases, retirement, and other milestones along your timeline. See how their timing changes savings and spending.

Explore the details

Give growing costs their own stages

Family spending rarely follows one flat amount from birth through college. Separate cost stages let the plan reflect changing needs, timing, and funding accounts. The resulting cash-flow pattern makes it easier to see whether education overlaps with retirement, a mortgage, or another expensive chapter.

Different ages can carry different annual costs.
Education funding can be distinct from everyday spending.

Education cost stage for ages 18–21, with annual expense, inflation adjustment, and a 529 funding source. — A life stage can have its own cost and funding account.Illustrative example

From a question to a clearer picture

Turn a life question into concrete plan changes

The scenario picker gives familiar questions a starting point. The underlying income, spending, account, and property entries remain available to inspect and refine.

Describe the life already in your plan
Enter the household, current income streams, and existing commitments. For a child already here, use their birth year so the projection starts with the costs still ahead.
Choose a change and its timing
Open a scenario such as a career break, one income, a child, or a home purchase. Fill in its dates and amounts, then try the scenario as a What-If comparison.
Follow the effects beyond the event
Inspect the affected years, then follow the longer path of savings and withdrawals. Refine individual entries when your situation needs more detail than the initial scenario asks for.

Connect the whole plan

Let the timing follow your life

A milestone can be a fixed age, a calendar year, or a financial condition the projection has to reach. Connect another entry’s timing to that milestone and the two move together. Separate retirement dates let each person’s working years have their own place in the household plan.

Each person can have their own retirement milestone.
A financial condition can be found by the projection itself.

Milestone settings showing separate retirement dates, life expectancy, and financial freedom. — Dates, ages, and financial conditions can define the plan’s milestones.Illustrative example

One way to use it · illustrative scenario

Making space for a career break

Imagine a parent considering a year away from work before returning to a different job.

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The choice to explore

They use the career-break scenario to specify the job’s end, any temporary support they want modeled, and the timing and amount of replacement income.

Where to look

They examine the year without a salary, the return-to-work year, and the account balances after both. They also review contribution changes and any spending assumptions that need updating.

What you could learn

The comparison shows which parts of the plan carry the transition, how much saving pauses, and what the return-to-work assumptions contribute to the longer-term picture.

Make sense of what you see

What the scenario choices help you organize

Each tile names a different kind of change

The picker separates retirement timing, career interruptions, household income changes, children, housing, and market shocks. Choose the question that matches the decision you want to investigate.

Family costs can have several stages

A child’s costs can change across age ranges instead of remaining one flat annual amount. Each stage can have its own expense, growth assumptions, and chosen funding accounts.

A milestone can become a timing rule

A milestone may simply mark the first year a condition is met. When an income, purchase, or retirement depends on it, the milestone’s timing also changes that part of the projection.

A little more detail

Good questions to start with.

Do I have to use a preset scenario?

No. You can edit income, spending, investments, and property directly. Scenarios group related changes into one form; they do not replace the ordinary plan entries or prevent later adjustments.

Can education costs use a different account from everyday family spending?

Yes. A child’s cost stages can name funding accounts, including a 529 for college years. If the chosen accounts cannot cover a stage, the remaining need falls back to the plan’s usual funding order.

Can I keep layering different scenario tiles?

Choosing another life scenario rebuilds the comparison from the original plan and replaces the active scenario, including its manual What-If edits. Keep a version you want to retain before replacing it. An account keeps up to two saved plans.