Central Scenario
Financial Freedom
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Overview
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Data currency
Accounts updated
—Market data
—MSFT price
—Assumptions
—Edit balances and assumptions on the Settings tab. Changes are saved on this device for next time.
Timeline
Compensation
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Accounts
Where your money is today
Grouped by tax treatment
Access & liquidity
Money flow
Retire
Scenario sliders
Spending is in today's dollars; the model inflates it forward. Retirement accounts (401k/Roth/HSA) are locked until the access age, so the years before it must be funded from taxable + cash. Pretax 401(k) withdrawals are grossed up for income tax; Roth and HSA are treated as tax-free.
Layoff / income shock
Simulates losing the primary earner's income — salary, bonus, RSU vesting, and 401(k) contributions all pause — for the chosen period, then returning to work at the chosen fraction of prior income (permanently). The plan below updates to show the impact.
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Decision
Settings
Your numbers are saved on this device and reused next time you open the app. Reset to factory settings clears them and reloads the server defaults.
Account balances
Set these to your latest real balances. Saving stamps today as the last account update.
Assumptions
Central-scenario assumptions used across every tab.
Career / promotions
Book up to two future promotions. Leave a promotion month blank to skip that slot. After the last promotion, pay follows the merit rate you set for it (set merit to 0 to model getting "stuck" at that level).
Retirement plan
Retirement calculator assumptions in today's dollars. The model inflates them forward and offsets Social Security once it starts.
Connected accounts (SimpleFIN)
Read-only, flat-fee account linking. Balances auto-fill your buckets; access stays on the server.
- Get a Setup Token at the SimpleFIN Bridge, connect your banks there, and copy the token.
- Paste it below and click Link.
Home value (RentCast)
Pulls a live automated valuation (AVM) for your home and updates the home-equity side of your net worth. The Timeline grows this value forward at the configured appreciation rate. Fetched at most once per day to conserve API quota.