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- 01
Open the defaults editor
Open Your finances and choose its defaults view. The older Plan defaults address also takes you there. The editor says whether the account is using personal defaults or the app’s starting answers.
Defaults are an account preference for plans started from scratch. They are separate from the household’s current balances and each existing plan’s saved assumptions.
- 02
Choose reusable assumptions
Review Household, Inflation & returns, Cash flow, Selling order, Tax timing, Capital losses, Health coverage, and Life milestones. Open each group to see the fields it provides.
Use assumptions that make sense as a starting point across your new plans. Settings that name a particular income, property, or account cannot be carried into a blank plan as though that item already existed.
- 03
Enter The year so far
For a plan beginning partway through the current calendar year, enter earlier wages by owner, pre-tax and Roth workplace deferrals, other ordinary income, and federal, state, and local income-tax withholding.
Left blank, a plan assumes its incomes dated “now” have been coming in since January and that the tax on those months was withheld from pay. The figures you enter replace that assumption. They are stamped for that calendar year and inherited by new plans. They affect first-year tax and contribution room; they do not add past earnings to today’s balances again. They are ignored when the stamp is stale or the first year is a full January-start year.
- 04
Save and use the defaults
Choose Save as my defaults. After the save, every plan you start from scratch opens with those answers. Review them during setup before relying on the new forecast.
Copies and imported plans retain their own settings. Existing plans are not rewritten when you save defaults.
- 05
Return to the app’s starting answers
Choose Use the app’s own defaults to clear the personal defaults and return the editor to the app’s starting assumptions. This changes the starting point for later new plans.
To change a plan you already have, open that plan and edit its settings there.
What changes what
Controls & settings
Check what each control changes and whether it recalculates your forecast.
Edits the defaults draft. It does not change an existing plan’s forecast.
Stores the account’s starting assumptions for future plans made from scratch.
Clears the saved personal defaults for future new plans.
Reading the result
Read the results
Check whether the editor says you have saved personal defaults; opening or editing a field alone is not the save step.
Revisit The year so far when starting another plan later in the year. Its numbers are a snapshot, not an automatically updated pay record.
Inspect the first forecast year after setup, especially contribution room and taxes on income already earned.
One plan, several readings
Related pages
Start a plan →
Use the survey or setup flow to turn these starting assumptions into a new plan.
Overview →
Keep current balances and annual amounts in the household’s finances, separately from defaults.
Projection →
Change assumptions on an existing plan through its settings strip.
Keep following the math
Key concepts
Keep in mind
Model limits
Saving defaults does not apply a bulk update to existing, copied, or imported plans.
Year-so-far fields cover the income and withholding collected by the app, not a complete tax-return reconstruction.
This guide documents the page as built. The figures on it follow the plan’s own assumptions; none of it is individualized tax, legal, Medicare, or investment advice.