Guide List

What's NEW in OT ?

1. Getting Started with OnTrajectory

  1. Basic Settings
  2. The Settings Bar
  3. Income
  4. Expenses
  5. Accounts & Taxes
  6. Adding Items and Age Ranges
  7. Centralized 'Retirement Age'
  8. Confidence Check / Chance of Success
  9. Referral & Reward Program

2. Modeling Income

  1. Start and End Ages
  2. Raises and Inflation (the Growth Override Field)
  3. Income Tax
  4. Adding a new Item versus a new Age Range

3. Modeling Expenses

  1. Indefinitely Recurring Expenses
  2. Expenses that Begin and End
  3. What-If Analysis
  4. Spending Type
  5. Expense Growth and Inflation (the Growth Override Field)

4. Modeling Accounts: Contributions and Withdrawals

  1. The Deposit Account
  2. Account Properties
  3. Contributions to an Account
  4. Drawdowns (Automatic & Manual)
  5. The % Growth Field
  6. The Starting Balance Field
  7. Warnings
  8. Negative Balances
  9. Required Minimum Distributions (RMDs)
  10. Roth Conversions
  11. Viewing Data and Graphs

5. Modeling Taxes

  1. Taxes on Accounts & Income
  2. Tax Types
  3. Additional Tax Options
  4. Automatically Calculate Tax Rates

6. Modeling Home Equity

  1. Entering Loan/Mortgage Information
  2. Modeling Starting Equity and the Increase of Property Value
  3. Making Extra-Payments
  4. Modeling the Sale of Your Home

7. Adding a Spouse / Owner

8. Tracking Progress

  1. Making Progress Updates
  2. Viewing Individual Account Progress

9. Setting Goals

10. Monte Carlo and Historical Analysis

  1. “All models are wrong, but some are useful.”
  2. Basic vs. Advanced Analysis
  3. Portfolio Mix
  4. Factors Affecting Growth
  5. Running Monte Carlo Analysis
  6. Running Historical Analysis
  7. Viewing Analysis Results
  8. Confidence Check / Chance of Success

11. Creating and Managing Scenarios

12. Understanding Output Data

  1. Incomes Tab
  2. Expenses Tab
  3. Accounts Tab
    — Deposit Account
    — Tax-Deferred Accounts
    — Annually-Taxed Accounts
  4. Grand Total Tab
  5. Metrics for Year