Quick start

Before you begin: the numbers you see are a sample

When you first open the app, it's pre-filled with a sample plan — placeholder people, incomes, and accounts. Nothing there is yours. It exists so you can look around and see how the pieces fit. Your job in this walkthrough is to replace it with your own figures. (If you ever want it back, use Reset to sample.)

Everything you enter saves automatically — to your account when you're signed in, or to this browser in local mode. You don't need a "save" button.

Step 1 — Enter your numbers (My Numbers tab)

Open the My Numbers tab. Work down the page and replace the sample with your own:

• Profile — your birth month and life expectancy (and a spouse/partner, if

you have one). Life expectancy sets how far the projection runs.

• Income — every stream: Social Security, a pension, 401k/IRA withdrawals,

wages, cash. Enter each amount as today's dollars at the month it starts — the app grows it forward for you.

• Expenses and debts — mortgage or rent, taxes, health insurance, groceries,

utilities, and so on. Enter each as today's dollars; the app applies inflation over time. Give finite debts (a car loan, a mortgage) a payoff month so they stop on schedule.

• Accounts — your savings: cash, brokerage, 401k, IRA, Roth. These are the

pools the plan draws from when a month runs short.

A concrete example: if you'll get $2,400/mo in Social Security starting at 67 and spend about $5,500/mo today, enter those figures — not inflated future amounts.

Step 2 — Read your outlook (Home tab)

Go to the Home tab. The big line at the top is your answer:

• On track — Plan ends with $320,000 means your savings outlast your plan.
• Runs out at age 84 · 2048 · about 12 years of runway means the money is

projected to be gone that month.

That's the headline. The Home dashboard explains every tile beneath it.

Step 3 — Add your real spending (Budget tab, optional but recommended)

A plan built on guessed expenses is only as good as the guess. To ground it:

1. Open the Budget tab and import a CSV from your bank or credit card.
2. Categorize the transactions (the app learns as you correct it).
3. In Use your real spending in the forecast, pick a period (usually **Last

12 months) and tick Use these figures in my forecast**. It's reversible — uncheck it any time to restore your planned expenses.

Your Forecast now rests on what you actually spend. If, say, you assumed $5,500/mo but really spend $6,200/mo, that gap changes your run-out date — better to know now. Details in Use your real spending in the forecast.

Step 4 — Stress-test it (Forecast tab)

A single projection assumes everything goes to plan. On the Forecast tab, scroll to Stress-test your plan and try the lenses:

• Odds of success — runs hundreds of randomized-market trials for a

probability your money lasts.

• What-if levers — one-click changes like spend −10%, delay Social Security,

or work two more years.

• Social Security timing — compares claiming at 62, 65, 67, and 70.
• AI review — a written read of your plan with suggestions.

Remember: every number here is an estimate to inform your thinking, not advice. When it matters, talk to a professional.

Stuck on why two figures disagree? Understanding your numbers clears it up.