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?

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?

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.

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 cash flow

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. 

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 like the new Monte Carlo and Historical Analysis features a lot… I’ve been telling a lot of people about OnTrajectory, how it works, how I’m using it, and what it can do for them. Keep up the great work!”

- 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!”

- Joe in Tampa

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.

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.

Join our growing group of OnTrajectory Users working together to reach financial independence.

Insights and expert tips to help you understand your trajectory and achieve your goals.

Beginner or an expert, just starting with a spending plan or long time investor, we’ve got you covered.

Join our upcoming cohorts to learn how to use OnTrajectory to model your financial future.

Pricing

Basic

Free
  • Enter Income, Expenses and Accounts
  • Visualize Your Financial plan
  • Create 1 Alternate Scenario
  • Free Email Support
  • See Real-Time Updates
  • Access to educational vides and help content
  • Change Central Assumptions such as Retirement Age or Inflation
  • Calculate the "Chance of Success" your plan will succeed

Unlimited

$99/year or $12/month
  • Everything Basic Plus...
  • Unlimited Scenarios and Compare Them on the Same Chart
  • Run Monte Carlo and Historical Analysis
  • Complete customization options including applying taxes
  • Optimize How Money is Withdrawn from Specific Accounts
  • Customizable Chart Settings
  • Optimize Spending to find out how much you can spend and stay on track
  • Run debt reduction strategies

Next level tools for financial professionals