Five planners, retirement, college, mortgage payoff, debt payoff and home purchase savings, start from your account balances, not numbers retyped into a form. One changed assumption redraws the years.
Built-in reports cover cash flow, plan versus actuals, spending pace and net worth by class, and any report you build yourself saves beside them. All of them draw on the full history, so a question about the money gets a chart, not a spreadsheet.
Trace income out to each place it went, for a month, a quarter or a year, as the actual flow or the planned one. One picture shows where the money went and how much was left.
Group spending by date, merchant, category, account, person or recurrence, draw it as lines, columns, bars or a pace, and compare with the previous period or a typical one. A drift in one category stands out before the total moves.
The month's spending accumulates day by day against last month or a three-, six- or twelve-month average. Mid-month, the line already says whether this month is running heavy or light, and the rail says where.
An extra monthly payment, biweekly payments, a one-time payment, a refinance or a recast, and the paid-off month and the interest left to pay move with it. Nothing on the actual loan changes.
The public mortgage payoff calculator →
A plan per child, from the school type, the savings today and the monthly contribution. It shows what share of the cost the 529 covers at enrollment, the extra each month that would hit the target, and the chance it does.
The college savings calculator →
No. A scenario is a copy. Every input can be typed over, the accounts stay as they are, and Revert drops the unsaved changes.
Yes. A figure in a planner opens into the lines behind it, the assumptions it ran on sit in their own card, and what the plan doesn't capture is listed under the results, above one disclaimer that every planner ends on.
Yours. The planners run on the rates in their Assumptions card, one flat return each. The retirement and college planners also report a chance, the share of simulated runs in which the money lasts or the target is hit, and a Simulated ranges chip draws that band on the chart.
No. The planners show the figures that follow from the inputs. Which lever to move, and whether to move it at all, is left to you.