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Accounts & Assets Overview
Snapshot of your total investments, assets, liabilities, and net worth.
Viewing Sample Snapshot History: This is sample data demonstrating how Net Worth tracking works.
Net Worth Tracking: Track your financial progress over time with visual insights into your net worth trajectory.
The graphs below are automatically generated from snapshots you take of your accounts
on the Accounts tab. Each snapshot captures a point-in-time record of your assets
and liabilities, allowing you to visualize trends and monitor how your financial position evolves.
Take regular snapshots to build a comprehensive view of your wealth journey.
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to track your own net worth over time.
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Snapshot History
Date
Assets
Liabilities
Net Worth
Change ($)
Change (%)
Actions
No snapshots yet. Take a snapshot from the Accounts tab to track your net worth over time.
Account History Over Time
Take at least 2 snapshots to view account history over time.
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Monthly Budget
Organize your spending by category and see how it evolves over time.
Editing budget:Budget Name
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Sample Budget Preview Mode
You're viewing the "Comfortable Lifestyle" sample budget (~$75K/year). This gives you an example of how the budget tool works with realistic spending categories.
Pro Tip: For accurate retirement projections, use your TRUE spending data, not just rough estimates!
This budget tool directly feeds into your retirement calculations, so the more accurate your spending data,
the more reliable your retirement projections will be.
Expense
Type
Frequency
Start Age
End Age
Inflation %
Monthly Amount
Actions
This table shows how your monthly expenses will change over time based on the Start Age and End Age settings for each expense. These are after-tax spending amounts. To see the pre-tax withdrawal amounts needed to support this spending, please refer to the Tax Estimator tab.
Age
Needs Monthly
Needs Yearly
Total Monthly (Needs + Wants)
Total Yearly
Add New Expense
Enter the details for your budget item.
Add New Category
Delete Category
Are you sure you want to delete this category? All expenses in this category will also be deleted.
Quick Add Subscriptions
Browse common services and instantly add them to your budget.
Filter by category
Saved Budget Data (JSON)
Add Large Infrequent Expense
Big-ticket purchases spread into monthly equivalents for accurate budgeting.
Filter by category
Delete Expense
Are you sure you want to delete this expense?
Add Common Monthly Expense
Select common expenses and adjust the estimated monthly cost as needed.
Filter by category
Sample Budgets
Choose a pre-built budget template to get started quickly.
Essential Minimalist
~$45K/yr
"Cover the bases—nothing fancy." Focused on meeting core needs: modest housing, one older car (paid off), basic utilities, home‑cooked meals, and just a couple of low‑cost subscriptions.
Lean & Active
~$60K/yr
"Comfort with a dash of fun." Adds breathing room: slightly higher rent, a reliable late‑model vehicle, gym membership, dining out once a week, and one domestic vacation per year.
Comfortable Lifestyle
~$75K/yr
"Balanced and family‑friendly." Assumes a three‑bedroom home, two cars, kids' extracurriculars, upgraded internet/phone, regular dining out, and a week‑long family trip.
Active Family / Upscale Professional
~$90K/yr
"Plenty of room to play." Larger mortgage in a desirable school district, two newer cars, frequent outings, robust health & life insurance, and a healthy charitable budget.
Affluent Experience Seeker
~$150K/yr
"Premium everything lifestyle." Urban or luxury housing, two leased vehicles, weekly cleaning service, multiple vacations (one international), generous gifting, top‑tier coverage, and niche hobbies.
The Tax Estimator is not applicable when running all Monte Carlo historical periods.
Would you like to travel more in early retirement and spend less in the later years? Do you anticipate higher healthcare costs in the later years?
The Spending Smile allows you to customize your retirement spending pattern to reflect your personal retirement desires and expectations.
By default, the calculator uses a standard inflation-adjusted withdrawal plan, and you can specify percentages to adjust the spending pattern.
Research by David Blanchett (Morningstar, 2013) found that retirees' real (inflation-adjusted) spending typically
dips in early retirement and rises again in the late years, forming a gentle "U-shape" or
spending smile. Use the tool below to see how that pattern changes your withdrawal targets.
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Early "Go-Go" Years
Higher initial spending gradually tapering as travel and large purchases slow down.
Middle "Slow-Go" Years
Lower, steadier consumption with reduced discretionary spending.
Late "No-Go" Years
Healthcare, assistance, and support costs begin to increase spending again.
Smile Spending - values based upon your specified Retirement Spending.
N/A
N/A
Age
Smile %
CPI Multiplier
Nominal w/ Inflation
Adjusted Spend
Difference ?
Understanding the Spending Pattern Calculator
This calculator demonstrates how the "retirement spending smile" pattern affects your yearly withdrawals:
Smile % - Shows the spending level as a percentage relative to your first year (baseline of 100%).
CPI Multiplier - The cumulative effect of inflation over time.
Nominal w/ Inflation - What your baseline withdrawal would be after inflation.
Adjusted Spend - Your actual withdrawal amount adjusted for both inflation and the spending pattern.
By adjusting points on the graph, you can customize your spending pattern to reflect your personal retirement expectations.
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Community Comparison
See how your retirement plan compares to others in the community, not to compete or show off, but to learn, gain perspective, and find inspiration. Whether you're just starting out or well into your journey, everyone's at a different stage. All data is shared anonymously, so you can explore with confidence and make informed decisions that work for your unique situation.
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