Try OnTrajectory's Unlimited Plan Free for 14 Days

Get Access to the Following Features:

Create and compare an unlimited number of scenarios

Create unlimited scenarios and compare them on the same chart.

Optimize Withdrawals

Prioritize account withdrawals when income is not sufficient to meet your expenses. Or, allow OnTrajectory optimization those withdrawals based on tax-efficiency.

Optimize Spending

Not happy with your projected end balance and/or chance of success? Allow OnTrajectory to optimization your spending to determine how you can achieve the future you're envisioning.

Monte Carlo and Historical Analysis

Create models and run Monte Carlo and Historical analysis to better validate your growth assumptions.

View Output Data

If you love data, you will love our 'Output Data'. This feature provides a detailed list of all data that makes up your financial trajectory.

Create Milestones/Goals

Allows you to create a specific milestone and track it on the chart.

Customize Calculation & Tax Settings

Customize how income, debt, inflation, taxes, and tax rules are applied to your account.

Customize Chart Settings

Visualize various options on your chart.

My Guidance & Support

Year

1986

250000

Savings

Enter a rough estimate of your total savings. Include your bank accounts, investments, and retirement. Exclude the value of your primary residence.

250000

Income

Enter your annual gross income (before taxes)

15000

Savings

Enter how much money you save each month, including savings for retirement.

Settings

My Profile
Analysis Settings
Calculation Options
Interface Options
Central Tax Settings
Email & Security
Plans & Payment
Registration
Referrals & Rewards

First Name (or Full Name #1)

Last Name (or Full Name #2)

Birth Year

Start Date

mm/dd/yyyy

Analysis Settings apply only to Historical / Monte Carlo Analysis which are run through the Views menu located in the top toolbar. For more information, see Guide 9. Monte Carlo & Historical Analysis

Asset Type Ratio

Stocks % Bonds % Cash %

Monte Carlo Analysis

Data From

Data To

Historical Analysis

Data From:

Data To:

Savings, Debt & Inflation Options

U.S. Retirement Plan Rules

User-Interface Options
(universal across scenarios)

Alerts & Warnings

Default Values & Symbols

Centralized Tax Rates:

Taxes set centrally using the Default Account (top account on Accounts & Taxes tab). Rates applied universally to Income and Account Gains.

NOTE: Applies only to RATES, not to tax-handling options such as "tax-deferred", "tax-annual," or "dividend yield", which are always set at the Account level.

Non-Centralized Tax Rates:

Taxes set on each Income/Account item individually.

NOTE: This option is NOT typically used.

U.S. Income Tax Brackets (2021)
U.S. Gains Tax Brackets (2021)

isMarried?

From0to 9525:10 %

From0to 9525:12 %

From0to 9525:22 %

From0to 9525:24 %

From0to 9525:32 %

From0to 9525:35 %

From0to 9525:37 %

isMarried?

From0to 38600:0 %

From0to 38600:15 %

From0to 38600:20 %

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Send Referrals

Each referral = 100 Reward Points: enough for a FREE month of our PowerPlan (limit 12)!

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Points to Next FREE Month:

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Publish Scenario

"Publishing" makes a COPY of this scenario available to all OnTrajectory PowerPlan users:

Publish Scenario as:

Description:

All published scenarios must be approved by OnTrajectory (typically within 48-hours).

This scenario has already been published, re-publishing will update with current data.

New expense

TOTAL:

Savings Rate
My FI Number
Years to FI

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Total Savings: $2,222

Net Income: $8,888

Savings Rate: 22.2%

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inputComment12

Savings Rate: ?.?%

Expenses x 25 = My FI Number: $??

inputComment20

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Savings Rate: ?.?%

My FI Number: $?.?

Years to FI: ?.?

Support

What's NEW in OT

Guides & Videos

Training & Data Reviews

My Account

My Profile

Security

Plans & Payment

Referrals & Rewards

Settings

Calculation Options

Interface Options

Restart Set-Up Wizard

Tools & Data

Calculators

Goals

PDF Report

Progress History

Results of Optimize Spending

Output Data

Log Out

Ready to map out your financial future? Start by watching this quick video guide.

Setup Questions

What year were you born? What year was your child born? How much are you saving each month towards college? Public or Private Institution? What is your current income? How much are you saving each month? How much do you have saved? How much do you have saved for college? What is your FIRE number? Inflation % spike to test? How long will inflation spike last

Please answer the following question(s) so we can chart your financial future:

Are you married? Yes No What is your current income? How much are you saving each month? What year were you born? What is your current income? How much are you saving each month (not including collegesavings)? How much do you have saved (not including college savings)?

Income Tab

Enter your income including, if applicable, child support, spousal support, pensions, and Social Security.

Expenses Tab

Based on your income and monthly savings, we estimate your expenses.Correct them and enter any costs we haven't considered.

Accounts Tab

Here is where to list the things you own: savings, investments, retirement accounts, real estate, and significant collections.

Try OnTrajectory's Unlimited Plan Free for 14 Days

Get Access to the Following Features:

Create and compare an unlimited number of scenarios

Optimize Withdrawals

Optimize Spending

Monte Carlo and Historical Analysis

View Output Data

Create Milestones/Goals

Customize Calculation & Tax Settings

Customize Chart Settings

My Guidance & Support

When Were You Born?

How much have you saved so far?

Savings

What is your annual income?

Income

How much do you save each month?

Savings

Welcome FI-101'rs to the best financial planning tool on the planet!

Register for a FREE 8-week trial — No credit card required.

Publish Scenario

Support

My Account

Settings

Tools & Data

Log Out

Analysis Types

Income Tab

Expenses Tab

Accounts Tab

Try OnTrajectory's Unlimited Plan Free for 14 Days

Get Access to the Following Features:

Create and compare an unlimited number of scenarios

Optimize Withdrawals

Optimize Spending

Monte Carlo and Historical Analysis

View Output Data

Create Milestones/Goals

Customize Calculation & Tax Settings

Customize Chart Settings

My Guidance & Support

When Were You Born?

How much have you saved so far?

Savings

What is your annual income?

Income

How much do you save each month?

Savings

Welcome FI-101'rs to the best financial planning tool on the planet!

Register for a FREE 8-week trial — No credit card required.

Choose scenarios to compare

Uncheck scenarios to remove

Publish Scenario

Support

My Account

Settings

Tools & Data

Log Out

Analysis Types

Income Tab

Expenses Tab

Accounts Tab