Get There

You know what you want. Whether it’s to retire early, take that big vacation or fund the education of a child, OnTrajectory’s financial modeling help get you there. 

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.

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

Join Our Facebook Group

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

Watch Video Tutorials

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

Upcoming Workshops

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

Ask a Pro

Get an OT team member to to review your trajectory and make sure you have everything in the right place.



  • 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


$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