The Home dashboard
How to read the Home screen — the verdict, the balance projection, and the "what to do next" list that points you at the right tab.
Home is the answer
Home is the screen you land on, and it does exactly three things, in order:
- The verdict — will your money last?
- The chart — your projected savings, year by year.
- What to do next — up to five concrete things, each one a button into the tab where you do it.
That's all. Home is read-only: it never shows you a spending figure or asks you to edit anything. Your real spending lives on the Spending tab; your inputs live under My Plan. Home tells you the answer and where to go.
Everything on Home is badged Plan and shown in blue — it comes from the figures you entered, projected forward. Teal Actual figures (from imported statements) appear only on the Spending tab and in the Forecast month detail. See Understanding your numbers for why the two are kept apart.
1. The verdict
The big line at the top is the whole app in one sentence:
- On track — in green. Your savings are projected to outlast your plan, through the month it ends.
- Runs out at age 84 — in red, with the month your savings are projected to reach zero.
- Not ready to judge — in amber. The app can see that something in your plan is incomplete enough to change the answer, and it would rather say so than show a confident verdict built on figures it knows are wrong. It names the gap, gives you a Fix button, and the same fix appears as item 1 in the list below. See when the app won't give a verdict.
Two supporting figures sit beside it:
| Figure | What it means |
|---|---|
| Years of runway | Years from today until your savings reach zero — not years from retirement. Full plan means the money outlasts the horizon set by your life expectancy. This is the number to act on; it's clearer than a big future-dollar total. |
| Ending balance or Peak balance | When you're on track: what's left in the plan's final month. Otherwise: the most your savings ever reach. Both are in that month's dollars, so they look larger than the same money would today. |
Each figure has a small i button that explains how it's calculated — the same explanation you'll find on the Forecast tab's headline cards.
2. The chart
The balance projection is the same chart the Forecast tab draws: your total savings across the whole plan, one point per year, with a red dashed line at the month the money runs out (if it does). Simple shows the balance alone; Detailed adds the monthly income and expense lines.
The grey dashed marker is the selected month. There is one selected month for the whole app — click or tap a year here and the Forecast tab's month detail, the drawdown chart, and the Spending tab's month picker all move to it. Full projection & stress tests → takes you to the Forecast tab for the account-by-account drawdown, the month detail, and the premium stress tests.
3. What to do next
This list replaces the old alert pills, opportunity cards, and spending nudges. It shows at most five items, most urgent first, and every item is a button that lands you on the right tab — and, where it matters, the right view or lens — so you never arrive at a screen with five things on it and have to guess which one was meant.
Each item has a one-line why, in your own numbers. That line is the only place on Home where a figure from your imported spending can appear.
In order of urgency:
| Tag | What it covers | Where it sends you |
|---|---|---|
| Fix first | The gaps that make the verdict untrustworthy: no healthcare cost, taxes unmodelled while you hold a 401(k)/IRA, or planned spending far below what you really spend. | My Plan, or Spending in Compare view |
| Run-out date | Your savings run out. See which lever moves your run-out date. | Forecast → the What-if levers lens |
| Spending | An import that isn't finished enough to trust: Categorize 14 transactions, or Import another statement when fewer than three complete months are in. If nothing is imported yet: Import a statement to compare plan with reality. | Spending in Actual view |
| Worth a look | Nothing is wrong — there's just money on the table. Social Security not yet claimed (compare claiming ages), a 401(k)/IRA with taxes modelled but no Roth conversion plan, or a required minimum distribution starting within three years. | Forecast → the Social Security or Roth lens; My Plan for RMDs |
| Start here | The plan is still the starter sample. Replace the sample with your own numbers. | My Plan |
The Run-out date item only appears once the verdict is trustworthy. While a Fix first item is open the app won't show a run-out date it can't stand behind — clear the gaps and the levers appear.
When the list is empty you'll see Nothing needs attention. Your plan is complete and lines up with what you spend. That is the goal state, and it's worth getting to: it means the verdict above is one you can act on.
On the free plan
The what-if levers, Social Security timing, and Roth analyses are premium. If your trial has ended, the list won't send you to a screen you can't use: the run-out item becomes Unlock the what-if levers (pointing at the upgrade on the Forecast tab), the optional analyses are left out, and the import item reads Try your one free import — see Account & billing.
Where to go next
Home orients you; the other tabs do the work. Forecast has the full projection, the month detail, and the stress tests. Spending is where you import statements and compare plan with actual, category by category. My Plan is where you change your inputs. Everything on Home is an estimate to guide you — not financial or tax advice. Terms are in the glossary.