One view of the whole journey
Income, living costs, property, taxes, and investments all feed the same year-by-year projection. See how one decision changes the rest.
Lifetime financial projections
Your whole financial life.
Finally in view.
The house. The career change. The day work becomes optional. See how the pieces of your life fit together in one connected forecast.
Lifetime financial projectionsInside MoneyWhatIf
See what’s possible
What could the next chapter look like?
Start with where you are today. Add the choices you’re considering, and follow their effects through the decades ahead.
Read the detailed guideGo from the curve to the detail
Select a year to see the accounts, cash flow, and life events behind it. Follow an interesting result back to the numbers that explain it.
Read the future in familiar dollars
Switch between future dollars and today’s purchasing power to understand what a projected balance could actually buy.
Explore the details
See the accounts behind the total
A single net-worth figure brings many kinds of money together. The Accounts view gives each balance its own color, showing how contributions, growth, and withdrawals reshape the portfolio over time. Education accounts can fund an earlier chapter while retirement balances continue into the later years.
- Follow each account’s balance across the same timeline.
- Use life markers to explain a change in the pattern.
Account balancesInside MoneyWhatIf
From a question to a clearer picture
Build the picture, then follow the years
A projection connects the facts you enter today with the choices you want to explore. Every chart reads that same plan from a different angle.
Start with your household
Enter ages, income, spending, property, and accounts through the survey or guided setup. Set the planning horizon, inflation, and return assumptions that the forecast will use.
Choose the question on the chart
Switch among cash flow, net worth, accounts, debt, taxes, and other built-in views. You can also compose a custom plot from the available figures and keep favorite charts close at hand.
Open a year that stands out
Click a bar to pin its year and inspect the accompanying breakdown. Follow the timeline markers to understand which retirement, purchase, sale, or other event changed the pattern.
Connect the whole plan
Connect the balance to the life it funds
A rising net-worth curve becomes more useful when you can explain the cash supporting it. Switch to cash flow to see how work, benefits, and account withdrawals fund each stage of life. Read a turning point in both views to understand the balance and the budget together.
- Compare income sources before and after work ends.
- Inspect a year with a large purchase or account withdrawal.
Cash flowInside MoneyWhatIf
One way to use it · illustrative scenario
A different pace before retirement
Imagine a couple who expects to work full time until 65 but wants to explore working fewer hours from 60.
Try an example planThe choice to explore
They open What-If, adjust the relevant income stream, and keep their current forecast as the comparison baseline.
Where to look
They compare cash flow during the transition, account balances when retirement starts, and net worth later in life. Selecting individual years lets them inspect the taxes and withdrawals behind any difference.
What you could learn
The comparison connects the change in working income to its effects on taxes, account withdrawals, and later balances. You can see which years carry the trade-off and which assumptions matter most.
Make sense of what you see
Read more than the height of a bar
The selected year is the detail view
The large chart shows the full horizon; the panel beside it explains one year. Hovering previews another year without replacing the one you pinned.
A large balance may not all be spendable
Property, cash, and retirement accounts have different roles. The account and taxable-net-worth views help you look beyond the total and examine the composition of projected wealth.
Markers explain changes in the shape
A mortgage payoff or property sale can make a year look unusual. Read the matching timeline event before treating that change as a lasting trend.
A little more detail
Good questions to start with.
Does Today’s money change my tax calculation?
No. Taxes are calculated on the modeled money earned in each year. Today’s money then adjusts displayed amounts for inflation, making distant balances easier to compare with present purchasing power.
Is this the same as a market stress test?
The ordinary projection follows your chosen assumptions. Historical Market Simulator and Plan resilience provide separate ways to explore changing returns. A smooth baseline alone does not measure the range of market outcomes.
Is there a limit to what I can see or add?
Every account can read the complete projection horizon, and you can add as many items as you need in every category, during setup and after your first projection. An account keeps up to two plans.
Keep exploring
The next piece of your picture.
Cash flow planning
Plan household cash flow across working years and retirement. Trace income into taxes, living costs, investments, and the cash you keep.
Financial scenario comparisons
Compare financial planning scenarios for retirement dates, saving rates, career changes, and home purchases against your original forecast.
Life & family planning
Model career changes, a growing family, education, and the milestones that make a plan yours.
Know the language
Financial terms behind this feature
Time Value of MoneyInherited IRAAsset AllocationStocksTreasury BondsTreasury Inflation-Protected Securities (TIPS)Compound InterestRule of 72InflationPurchasing PowerReal Rate of ReturnNominal Interest RateRestricted Stock Units (RSUs)Financial PlanningFinancial ProjectionIndividual Savings Account (ISA)
Browse all financial termsYour next chapter
Bring your own what-if.
Start with your numbers. See where they could lead.