Frequently Asked Questions
Do you have Help Guides?
We do indeed. Here is a link to our complete GUIDE LIBRARY. We also have Interactive Tutorials available to all registered users.
Can I input more than one Income item?
Yes, for all inputs (Income, Expenses, Savings/Investments) you can input multiple Items and even multiple Ranges inside the Item. For example, to add Income Item to represent a part-time job or a spouse’s income, click the in the lower left corner, and populate the data fields as appropriate.
Why can’t I plot my Trajectory past age 90?
Actually, you can. Plus, we love your optimism :)
To change your “End Age”, click on the Action Menu and select “Settings”. On the “Basic Settings” tab, you can change “Start Date”, “Start Age”, “Retirement Age”, and “End Age”.
What is the purpose of the "Make Group" button next to my Expense items?
This button lets you place multiple Expenses as a single group and automatically total the results. This is useful for setting up a monthly “budget” of recurring items that do not have discrete start and end ages, for example utilities, groceries, entertainment, etc.
How do I track my “progress” against my Trajectory?
Click on the “Track Progress” tab (next to the Summary & Warnings tab). Enter the balances of each of your accounts or use the “other” field to enter a total amount. You will see a green line in the graph drawn to represent your progress. In addition, you will a dotted gray line drawn into the future. This line represents a projection of your progress into the future. If you are presently above your Trajectory, the projection will show how that overage could affect your final results. Likewise, if you are below your Trajectory, the projection will show how that shortfall could affect you. In either case, do not get attached to the projection because it is greatly influenced by market volatility.
Why are 2 Age "Ranges" created after running the initial set-up wizard?
OnTrajectory automatically breaks your Income, Expenses, Savings/Investments into 2 age “Ranges”. One from your Start Age to your Retirement Age and the second from your Retirement to your End Age. This is simply a default set-up and we fully expect you to configure both Items and Ranges as appropriate to your situation.
To delete or add an age Range, click an Item’s Menu…
Why can’t I delete or exclude the first account in the Savings & Investments section?
The first account in the Savings & Investments table, called your Deposit Account is required because this is where 'excess' Income goes.
For example, if you make $5,000 more than you spend, this account increases by $5,000.
How does OnTrajectory draw down funds when my Expenses exceed my Income?
Funds are removed from the first account listed on the Savings & Investments tab. If this account has a zero balance, funds are removed from the account with the lowest 'End Age'.
Are the automatic tax rates that are applied at set up accurate?
Not really, the tax rates that are defaulted are based on current Marginal Rates, however they are meant to be replaced by your personal Effective Rate.
How do I find the data details associated with my ‘Trajectory’?
Much of the underlying data used to chart your results are available by pressing the button titled “Show Trajectory Data” located in the top right portion of the screen.