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Gain confidence in your financial trajectory

Whether you’re just starting your journey or nearing the finish line, OnTrajectory helps you get clarity on where you really stand.

  • Create a free trial account
  • View your success score in minutes
  • Add more info to fine-tune your projection
  • Chart your actual progress over time

Serious software designed for serious savers

Tired of building spreadsheets? This is the whole-life FI tool you’ve been waiting for.

Start my free trial

Explore the impacts

if different investments, expenses, and tax rates

Track your performance

so you can rest easy — and course correct if needed

Test your assumptions

using custom rates of return and historical simulations

Answer the big questions that impact your financial future

Getting financial peace of mind requires a plan you can trust. OnTrajectory helps you answer questions like...

  • Should I rent or buy a house?

  • Index funds or rental property?

  • Which investment should I sell first?

  • Can my spouse go part-time?

  • How much can we pay for college?

  • How much longer should I work?

Professional-grade financial projections at your fingertips

Run advanced Monte Carlo simulations to see how your plan holds up in different time periods throughout history. Then sanity check it against your assumed rate of return.

 

(Financial advisors and coaches: Learn how you can use OnTrajectory with your clients)

See what financial gurus are saying about OnTrajectory

OnTrajectory seems simple at first, but the more I worked with it, the more I appreciated how it handles complexity.

– J.D. Roth @ Get Rich Slowly

The setup was simple. The user interface is attractive and intuitive... OnTrajectory is in the sweet spot that appeals to me.

– Darrow Kirkpatrick @ Can I Retire Yet?

What makes OnTrajectory different

  • Complete flexibility & control

    We let you geek out and customize things other tools don’t. Whatever your financial goals or assumptions, OnTrajectory is game.

  • Designed for real life

    Getting started takes just a few minutes. But if you want to go deeper, OnTrajectory supports all the complexity of real life.

  • Tools you can trust

    Our business is making software, not selling financial services. That means no sales calls, no commissions, and no hidden fees.

Try all of OnTrajectory for free. No credit card required.

If you decide to subscribe, our pricing is simple and affordable:

OnTrajectory Features

  • Create multiple scenarios
  • Monitor investments & expenses
  • Calculate retirement success rate
  • Run Monte Carlo simulations
  • Track actual progress against your plan
  • Add unlimited income, expense, and account entries
  • Your plan will never increase in price
  • Free email support
  • Access to a paid Data Review
  • Access to our course in "FI-Losophy"

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Built by personal finance nerds, for personal finance nerds

We created OnTrajectory because we couldn’t find a calculator that we trusted to tell us “when can I actually retire”. We hope you find it useful... and maybe even fun! We certainly do.

– Tyson Koska, OnTrajectory CEO and Planner-in-Chief

Join the OnTrajectory community

We’re on a mission to build the world’s most powerful personal financial planning tool. Create your free trial account to join us—or sign up for monthly email updates to stay in touch.

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