What's NEW with OnTrajectory?

November Update

Awesome Discount on Annual PowerPlan — just $39!

Until the end of the year, you can purchase a PowerPlan Annual Subscription for just $39! Yep, that's pretty awesome.

If you're already a Monthly Subscriber, no worries — just go to Menu / Subscribe and select "Annual" from the drop-down list. We'll transition your account, including pro-rating any unused time for the month.

OnTrajectory depends on our paid subscribers to keep developing features that help you model and track your progress toward financial freedom. Be sure to subscribe before 12/31/17 to take advantage of this great deal — 22% off the regular $50 price.

October Update

Enter a Cost Basis for the Starting Balance of an Account

In some situations, you may want to set the "cost basis" for the Starting Balance of an account. This is the amount of untaxed contributions in an account when it's first defined in OnTrajectory.

Typically, Cost Basis is only significant if you have a large account with sizable prior growth, such as a mutual fund account that's been growing for some time, and for which you have not paid taxes on the growth. This option is only available for accounts that have a Tax Type of "Tax-Deferred (gains only)". For more information on Tax Types, see the guide Modeling Accounts and Taxes.

July Update

Collaborate with your Financial Advisor through OnTrajectory

Our new Advisor Portal let's you collaborate directly through OnTrajectory with your personal financial advisor, features include:

This feature requires your financial advisor to sign-up for an OnTrajectory account, find out more from our website.

Experimental "Forum" on Reddit.com

Based on requests from several users in our community, we've created a space on Reddit.com where folks can ask questions regarding modeling techniques or approaches — either generally or specific to OnTrajectory.

We're not sure what the response will be, so we're calling this an "Experimental Forum" — if the experiment goes well, we'll keep it around, if not, we won't :)

Click here to check out OnTrajectory OnReddit!

June Update

PowerPlan Price Increase on July 1st

On July 1, 2017 the price of our PowerPlan for NEW subscribers will increase to $5/month or $50/year.

BUT you can lock-in our current $3/month or $30/year pricing by subscribing now — and that price will NEVER go up (as long as you remain a subscriber). Just click "Subscribe" from the main Menu

Note: If you prefer not to use Pay-Pal as your payment method, please contact us at questions@OnTrajectory.com

Keep in mind, we are a small and INDEPENDENT team. We are not affiliated with  any financial product or services company — so you can be sure you're supporting the development of an unbiased tool, and one that let's you visualize your long-term financial future like no other.

Why the price increase? Two reasons, 1. higher support costs  and, 2. higher development costs.

We've released many new features in the first 6-months of this year:  smarter tax-handling — smarter "draw-downs" — enhanced employer contributions — Roth conversion modeling — home equity modeling... and we've got big plans for the rest of 2017. More new features coming your way, most of which have been suggested by you — our awesome OT Community!

May Update

Smarter Tax Calculations on Retirement Plan Contributions

We've made it easier to model the tax advantages of retirement plan contributions.

Now, when you designate contributions that typically occur "pre-tax" (such as those to a 401K or Traditional IRA), OnTrajectory automatically excludes those contributions from taxable Income — meaning you needn't adjust your tax-rate to account for those contributions.

We've also added Retirement Plan Contributions to the "Incomes" data table so you can easily see all contributions excluded from taxable income, as shown below:

Summary

April Update

Update Progress by Account

Tracking Progress is how you judge the validity of assumptions underpinning your Trajectory — by comparing calculated amounts to the real-world value of your accounts.

You can now save your progress updates either as the total value of all your accounts or as individual account balances.

Summary

March Update

Enhanced Employer Contributions

We’ve expanded our Employer Contributions functionality to give you more financial modeling flexibility. Now you can define contributions from employers for both 401k/403b/457b and HSA accounts.

In addition, both your defined contributions and employer contributions can be designated either as a fixed amount or as percentage of Income (or any combination of the two), as illustrated below:

Contributions Tab

Februrary Update

Roth Conversions

There is a new option under Item Propeties called Convert to Roth (on End Age). This option is applicable only to Traditional IRA accounts. If checked, when the account's End Age is reached, taxes will be paid on any contributions that were made to the account, and it will be treated as a Roth IRA up to the overall Trajectory End Age.

Model Home Equity more accurately

We have greatly enhanced the ability to track the building of home equity. Read all about it here!

More & Better HELP!

You've probably noticed these little guys showing up all over the place.

Each one launches you into a Guide right where you need to be. 'Context-sensitive' is what they call it, which really means you don't have to go to the Main Menu to find information — you can get it fast, when you need it.

Once you're in a Guide, you'll now see a handy Table of Contents at the top of each. These are all linked inside the Guide, again to help you both see what information is available, but also to get to it quickly — see sample below:

Sample TOC

Finally, All Guides — Table of Contents is now located in the Main Menu. The list of topics continues to grow every month as new features are released.

January Update

Smarter Tax Handling

We have updated our tax algorithms to automatically take into account Description as well as Tax Type when a rollover occurs. This change means that for accounts such as Roth IRAs, taxes will not be triggered when rolling over as long as it is not an early withdrawal. Previously, depending on the Tax Type a user chose, taxes may have been triggered.

We've also added a new Tax Type "Tax-Deferred (contributions only)", which will cause only contributions made to an account to be taxed when funds are withdrawn. These changes have been made both to make it easier and more flexible when configuring accounts, but also in preparation for Traditional IRA to Roth Conversion — functionality that is scheduled for later this year.

Lastly, we've made a slight change to how the End Year of an account is handled. Previously, when an account was in its last year, OnTrajectory added gains (based on the previous year's balance), but it did NOT make any Contributions or calculate RMDs for the account. The reasoning being that since funds were 'rolling over' into your Deposit Account anyway, those transactions were not required. However, with our focus of smarter tax handling, we've decided to make all End Year transactions consistent. The end result is that along with the other refinements mentioned above, your Trajectory End Amount may slightly increase — and we wanted you to know why!

While we perform rigorous testing on an extremely wide range of scenarios and data combinations, sometimes unusual situations can occur — please let us know using our feedback/questions feature if anything appears to be anomalous, and we will investigate immediately.

Item Re-Ordering

Change the order your Income, Expense & Account items appear — just click and drag the 'up/down' icon to move items to a new position (note: the top-most 'Deposit Account' cannot be moved).

Reorder Image

Support for Equations

You can now use mathematical operators to add (+), subtract (-), multiply (*), and divide (/) values in  'Amount' fields. This feature is similar to typing in a spreadsheet cell. For example, to quickly calculate an expense that is billed 4 times per year @ $87, simply type in the amount field: =4*87 and press 'Enter'.

That's it! No need to have a calculator open and nearby when entering values into OnTrajectory.

December Update

Referral & Reward Program

Reward Button

For some time, you've been able to earn Reward Points just by using OnTrajectory — now you can spend them! When you have at least 100 points, click the "My Referrals & Rewards" button and choose "Redeem Reward Points." That's it — we'll credit your account with a FREE month of our PowerPlan, which includes all the benefits below:

The fastest way to earn Reward Points is by referring friends to OnTrajectoy — 100 points for each referral that registers (limit 12).

November Update (Part 2)

Centralized 'Retirement Age'

We've made it easier for you to plan for the big 'R' by making it easier to designate a 'centralized' Retirement Age in your model. Rather than entering a discrete value, such as '67' — you can now enter 'R' to represent your retirement age (whatever you designate that age to be).

In the example below, notice the End Age for Base Income and the Start Age for Social Security are set to 'R'. Since the Retirement Age is set to '67', Base Income's End Age will be calculated to be '66' (the last year the item is received) and Social Security's Start Age will be calculated to be '67' (the year the item begins).

Centralized Retirement Age

The 'Retirement Age' and 'Inflation Rate' fields are located just above your Income, Expense & Account data. Changing your Retirement Age here, will universally change the value everywhere the 'R' is used — making 'what-if' analysis easier than ever before.

November Update

The PowerPlan

For a small subscription fee of either $3/month or $30/year, receive access to OnTrajectory's PowerPlan without any of the restrictions of our FreePlan:

All payments are safe and secure through PayPal, and we never retain your payment information (see our Privacy Policy for more details). To sign-up, select 'Subscribe to the PowerPlan' from the Main Menu

October Update

Scenario Notes

Save a Note to describe the Scenario you're working on in the Scenario Notes under the Feedback and Requests section of the page:

Scenario Comment

Prevent Automatic Drawdowns

Users can now prevent OnTrajectory from automatically "drawing down" an account by checking "Prevent Automatic Drawdown" located in the Item Properties pop-up. Funds from that account will not be available to pay Expenses or to fund Contributions until the End Age of the account.

September Update

Centralized Tax Rates

We've made it easier for you to define the Effective Tax Rate for any given year. Rather than enter a 'Tax Rate' for every Income or Account item, just enter it once for your Deposit Account (the one with the star next to it), as shown below:

Central Tax Rates

The Tax Rate will be shared among all your Income and Account Items. Note: You will continue to designate whether an accounntt is 'tax-deferred' or 'taxed annually' at the Account level.

If you prefer to define Tax Rates for individual items, just click the Main Menu in the top right corner and choose Settings. On the 'Advanced' tab, deselect the option 'Use Centralized Tax Rates,' as shown below:

Advanced Settings

Save, Print and Copy Output Data

You can now Print, Save, and Copy data from an indvidual Output Data table. Click the appropriate button located on the top right of the table, as shown below:

Print Save

We've also made Output Data tables easier to read, including the ability to toggle between "Today's" and "Tomorrow's" dollars:

Toggle Dollars

More Information

For more information how to use OnTrajectory generally, click here:

Or open our GUIDE LIST any time through the Main Menu icon on the top right of the screen.