How can I save enough money in retirement? plan to pay for my kids college? make my money last through retirement? build a financial plan that works for me? plan to care for my aging parents? catch up on my retirement savings? retire without paying too much in taxes? know if my investments are good for me? decide how much risk to take in investing?

What Is OnTrajectory?

OnTrajectory is financial planning software so easy and intuitive that regular people can create their own lifetime models - but it's powerful enough that it can support any professional practice.

It answers questions beyond 'when can I retire?' -- you can visualize how future college costs or buying a home will affect you in 30, 40 or 50 years. And if you don't like the first answer you see, you can experiment with different ways to reach your financial goals.

You don't have to be a sophisticated investor. With OnTrajectory, if you can imagine it, you can plan for it.

Start with Goals

OnTrajectory Goals helps you collaborate and build on your financial goals as you stack one win on top of the next to create the future you want. It’s perfect for those wanting to grow their financial knowledge, build a long term plan, and collaborate with others to achieve their goals.

Build with Cashflow

OnTrajectory Cashflow is the perfect place to get all the robust features a financial professional might have at a fraction of the price. Perfect for smart budgeters, those with a more complicated account structure, or who just want to have a clear picture on everywhere their money is taking them.

Why start a conversation?

Jump start your financial future by talking with an expert. OnTrajectory works with financial professionals to help answer your questions. You’ve got a lot on your plate, so talk with a pro who will help answer your questions and explain your next steps without talking down to you or over your head. Or, start simple and ask Penny, our AI financial guide to get started.

Build a plan that fits you.

Maybe you’re ready to start planning yourself. No problem! OnTrajectory has easy-to-use goals based planning and more complex, professional grade cash flow planning tools. You can start easy and OnTrajectory grows with you. Plus, you can always start a conversation with a pro, or with Penny, our AI financial guide.

Break through fear, uncertainty or bad money habits and get on the path to financial freedom.

Money is the leading cause of stress and anxiety for most Americans and a primary cause for strife in a relationship. Don’t carry the burden alone any more—we’re here to help. Ask your first question, no judgement here.

What Users are Saying...

“Keep up the great work. I retired early at age 57 when my company offered a voluntary early retirement package. Your product gave me the data I needed to help me feel comfortable making that decision. 4 years later I’m loving retirement.”

- Mike in Texas

“I love the many new features added recently. The Stress Test option is fantastic and being able to use the beta “Ask a Question” function has been very helpful.

Please, keep up the great work… what a wonderful tool. Thank you”

- Mike in LA

“I tried out a lot of OnTrajectory’s features, and I’m psyched about this really helpful tool!”

- Karen in NYC

“I’m now working on a new scenario, whereby I retire, move onto a boat, and go cruising rather than buying a house on a lake somewhere. OT makes it so easy to look at different scenarios like this. Love it!”