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Explore the page
- 01
Choose how to display money
The page opens with a short statement of what it is: each card answers one question an adviser would ask, from the projection’s own years — the whole lifetime where the question has a lifetime answer, this year where it is genuinely about this year.
Beside it sits the Today’s money switch, shared with the other plan pages, which restates every dollar figure on the cards in today’s terms by discounting at the inflation the projection actually lived. Rates, ages, counts, and months do not change with it, and no verdict is re-read.
- 02
Wellness summary
Under the header is one divided bar: how many metrics landed on each reading, drawn as segments in a fixed order — Strong, Progressing, Needs attention, For information, Not in this plan — with the counts named under it.
The headline above it gives the share of rated metrics that came up Strong, reads “Every rated wellness metric looks strong” when that share rounds to 100%, and “Nothing is rated yet” when no metric carries a verdict.
The same bar appears on the projection page below the chart and the section cards, above the action items and milestones, where the whole card is a link that opens this scorecard in a new tab.
- 03
Understand the ratings
Each metric lands on one of six readings. Three are verdicts — Strong, Progressing, and Needs attention — and only those three count toward the headline share. For information is a figure worth knowing that has no good or bad to it; a tax rate is not a grade.
Not in this plan is a question the plan does not pose: a renter has no home equity, a household of one has no surviving spouse’s years. Still dealing is an answer being computed — the market-history runs behind the chance-the-money-lasts card — and is counted as none of the others; the bar leaves it out rather than misfiling it.
- 04
Filters
A row of buttons holds one rating up to the light at a time: Everything, Strong, Progressing, and Needs attention, each verdict button carrying its count. Categories with nothing to show under the chosen filter disappear.
While a what-if edit is being tried against a saved plan, a fifth filter appears first, Changed by this what-if edit, with the number of cards that read differently since the edit began, and a notice above the filters says how many of the cards moved — or that nothing has moved yet.
Keeping or discarding the edit removes that filter and the page falls back to Everything.
- 05
Explore the scorecards
Twenty-one cards sit in four groups. Savings & assets: savings rate, financial independence, retirement savings against the need, liquidity cushion, home equity at retirement, what the plan leaves behind, and Roth conversion opportunity. Retirement: chance the money lasts, money lasts until, average withdrawal rate, Medicare surcharge years, retirement countdown, and surviving spouse’s years.
Income & spending: working years that pay for themselves, this year’s cash flow, lifetime effective tax rate, this year’s effective tax rate, and housing share of income. Debt: debt payments against income, debt-free date, and lifetime interest paid. Each card shows its verdict badge, the figure large, a sentence explaining both, sometimes a suggested lever, and a link where a deeper page exists.
- 06
Where the figures come from
Lifetime questions read every projected year: the savings rate sums all working years, the withdrawal rate averages each retired year’s draw against the balance that entered it, the lifetime tax rate divides every tax charged across the plan by every dollar counted once, and the surcharge count is the number of years an Income-Related Monthly Adjustment Amount (IRMAA) cliff was crossed.
This-year questions read year one of the projection, the year every other page calls today: the liquidity cushion, this year’s cash flow, this year’s tax rate, and debt payments against income. Ages are the household’s own — yours while you are in the plan, the spouse’s for the years beyond your lifespan.
- 07
Compare What-If changes
While a what-if edit is open, a card whose figure or verdict moved shows what it said before, an arrow, and the new reading, marked better or worse by the direction that metric wants to move — an earlier independence age is better, a later run-out age is better — with the previous badge named underneath when the verdict itself changed.
A card that sat still says nothing. The chance card only compares once both of its deals have finished. The footnote closes the page: verdicts come from this plan’s own projection, not averages about people in general, and the thresholds are the usual planning marks, not financial advice.
What changes what
Controls & settings
Check what each control changes and whether it recalculates your forecast.
Restates every dollar figure on the cards in today’s terms, discounted at the inflation the projection lived; rates, ages, months, and counts are unchanged, and the switch is shared with the other plan pages.
Shows only the cards carrying that verdict, with the count on each button; a category with no matching card is hidden.
Appears only while a what-if edit is being tried; shows the cards whose figure or verdict differs from the plan being edited away from, and disappears when the edit is kept or discarded.
Goes to this plan’s copy of the page the card summarizes — the estate page, the resilience page, or tax analytics.
Switch whose money and which plan the scorecard reads; a different plan is projected and every card is re-read from it.
Reading the result
Read the results
Only Strong, Progressing, and Needs attention are verdicts; the headline share divides the Strong count by those three alone, so an information figure, a question the plan does not pose, or a card still dealing neither helps nor hurts it.
“This year” on a card means year one of the projection, the same year every other page calls today; a lifetime card reads every projected year, so a single bad year can sit inside a Strong lifetime figure.
Chance the money lasts is 300 fixed-seed runs of market history, so it prints the same number tomorrow; the give-or-take beside it is a Wilson interval, and a dash means nothing in the plan follows a market index, so there are no odds to quote.
The thresholds are the usual planning marks written into each card’s sentence — 15% and 5% for the savings rate, six and three months for the liquidity cushion (cash counts dollar-for-dollar and $2 of accessible taxable brokerage counts like $1 of cash), 4% and 6% for the withdrawal rate, 28% and 36% for housing, 35% and 50% for debt payments, 90% and 70% for the chance the money lasts — not a judgment about this household in particular.
The average withdrawal rate leaves out a required minimum distribution that was swept straight back into investments; that is a change of account, not spending the portfolio, so a retirement living on its income can read 0% while distributions are still forced.
One plan, several readings
Related pages
Projection →
The projection page shows the same bar below its chart and section cards, above the action items and milestones, as a link that opens this scorecard in a new tab; there the chance card is never dealt and stays out of the counts. What-if edits begun on the projection are what this page compares against.
Plan resilience →
The chance-the-money-lasts card is the resilience page’s headline dealt quietly: the same engine, 300 runs at a fixed seed, where the resilience page itself offers 100, 300, or 500 runs and a fresh deal. The card always links there; under 90% it adds a line saying the resilience page shows which runs failed and what they had in common.
Estate →
What the plan leaves behind uses the estate page’s own arithmetic on the final year, with the standalone loans settled, so the card and the page read one number; the card names the pre-tax share heirs would owe income tax on.
Taxes →
Medicare surcharge years and both effective tax rate cards link to tax analytics, which breaks the lifetime total down year by year and shows the income and surcharge in each affected year.
Keep following the math
Key concepts
Keep in mind
Model limits
The thresholds are the usual planning marks and the page says so: verdicts are read from this plan’s own projection, not from averages about people in general, and none of it is financial advice.
The page does not project the plan again; every card is a reading of the projection the workspace already ran, and its one computation of its own is the 300-run deal behind the chance card.
Property tax is not in either effective tax rate — it is counted with the housing share — the debt-free date leaves the mortgage out, and the housing share ignores rental properties, which count as investments.
The chance card prints no probability when nothing in the plan follows a market index, since one deterministic run copied 300 times is not odds; on the projection page the bar never deals the runs at all.
The Roth conversion opportunity is the model’s own estimate and only opens when the estimated advantage exceeds $1,000; it is not a recommendation to convert.
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.