Insights

Demo

Plan your goal date, track your progress, and see tips based on your investment accounts.

Interactive tools to plan your target date and contributions

Based on your $295,000 in investment accounts, not cash, real estate, or other assets.

Invest More, Reach Sooner

Just $400 more a month gets you to $1,000,000 1 year, 4 months sooner.

New Target Date

Sep 15, 2039

vs. Jan 13, 2041

You'll be 41 years old

Current plan Jan 13, 2041

With $400 more/month Sep 15, 2039

Behavioral Insight

Consistency is your superpower

If you skip half your contributions, you could delay your $1,000,000 milestone by 1 year, 8 months.

Stay consistent. Your future self is counting on you.

TIME TO GOAL PLANNER

Monthly Contribution

$800

$0$3,000

Expected Annual Return

ConservativeBalancedAggressive

Time to reach $1,000,000

14 years, 3 months

By January 13, 2041 · Age 42

Beyond Your Goal

Keep going 15 years past your $1,000,000 goal and you could have $3,007,915 by age 57.

Extra Growth

+$2,007,915

beyond your $1,000,000 goal

Your Contributions

Investment Growth

RETURN ASSUMPTION RANGE

Compare goal dates using your $800 contribution every month.

Rate variance±2.0 pts

Select a variance from 0.5 to 5 percentage points.

LowerLower return

5.0%

Age 46Jan 2045

ExpectedYour assumption

7.0%

Age 42Jan 2041

HigherHigher return

9.0%

Age 40Jul 2038

21-year illustration. Returns are not guaranteed.

CONTRIBUTION INSIGHT

You've stayed on track for 5 check-ins in a row.

Consistency compounds. Keep logging your check-ins to stay on pace.

MONTHLY PROGRESS

Month

Log your first check-in or sync your accounts to see your September 2026 progress.

Streak

On-time rate

8300%

Contributed

Skip Month Penalty

Skipping one month costs you $3,096, not just $800.

Miss a single $800 contribution and you lose what that money could compound into over 20 years. The real cost is the future value you forfeit.

Contributions skipped

Skipped

$800

True Cost (20yr)

$3,096

How the loss compounds

Potential value forfeited over time

At 20 years$3,096

The Second Half Is Easier

Each half is $352,500, but the second takes 3 years, 3 months less than the first.

You'll pass $647,500 on the way to your goal. Compounding does more heavy lifting once your portfolio is bigger, so the second stretch moves faster.

First half

Second half

COMPOUNDING CROSSOVER

At $141,489, your money starts outworking you.

Right now you're contributing $800/month. Once your portfolio reaches $141,489, your investments will be adding more every month than you are, at an average annual return of 7%.

You've already crossed over. Your investments are contributing more every monththan you are. Compounding is doing the heavy lifting now.

Compounding Growth

Cost of Waiting

One year could cost you

$110,500

by age 48
at 7% return

Start now

$1.5M

Wait a year

$1.4M

Today · age 2820 years · age 48

The gap starts small, then compounding makes that missed year harder to recover.

Biweekly Beats Monthly

Biweekly beats monthly.

Split your $800 monthly contribution into $400 every payday and you'd invest 26 times a year instead of 12.

Monthly

$800

12 times/yr

Every Payday

$400

26 times/yr

monthly contributions

biweekly contributions

14-year projection

Extra Per Year

$800

Compounding over 14 years, that's roughly $19,420 more toward your goal.

The $1 = $3.9 Rule

$1 today becomes $3.87 in 20 years.

At 7% return, every dollar compounds 3.9×. Each choice to invest or spend carries a hidden multiplier.

You invest$1

7% · 20 yrs

becomes$3.87×3.9

Your $1+$2.87 compounding gain

Invest $1

You buy $3.9 of future wealth

Spend $1

You give up $3.87 of future value

Investing Is Buying Time

You're not saving money.

You're buying future free time, a life where work is optional.

At your $1,000,000 goal

$40,000/yr

in passive income, forever

4% rule

$1,000,000 × 4%

Already generating

$11,800/yr

30%

$705,000 more to fully fund your freedom

Every $25,000 saved adds $1,000/yr of passive income. You're not saving money. You're saving time.

3 Phases of Building Wealth

Most people quit in the Building phase.

The arc is the same for everyone. Knowing which phase you're in changes how you show up.

1 · Building✓

78% / 22%

Contributions dominate

2 · Crossover✓

50% / 50%

Growth matches contributions

3 · MomentumYou

18% / 82%

Growth dominates

ContributionsGrowth

Your ratio right now

$800/mo contributed$1,721/mo growing

Your investments grow $1,721/mo, outpacing your $800/mo in contributions.

Fee Drain

A 2% fund fee on $295,000 quietly costs you $337,685 over 20 years.

Active Fund

2.0% fee

$5,900/yr eaten

→

Index Fund

0.1% fee

$295/yr only

Index Fund (0.1%)

Active Fund (2%)

20-yr Fee Drain

$337,685

enough to buy a house outright

Progress Feels Slow Until It Doesn't

Year 1 looks boring. Year 20 changes everything.

Contributions

Growth

Year 1

Portfolio

325.6K

Contributed

304.6K

Growth

21K

Year 10

Portfolio

717.2K

Contributed

391K

Growth

326.2K

Year 20

Portfolio

1.5M

Contributed

487K

Growth

1.1M

Key takeaway

The line is flat until it isn't. Don't quit during the flat part.

Plant Your Tree

If you'd started 10 years ago

$136,841

where you could be today

→

If you start today

$717,151

where you could be in 10 years

"The best time to start investing was 10 years ago. The second best time is today."

Not Monday.Not January.Not after the next paycheck.Today.

Your Money's Hourly Rate

Effective hourly rate

$861/hr

your $295,000 portfolio at 7% return

Monthly gain

$1,721

Your hours

2 hrs

Your rate

$861

Hours/month on finances2 hrs

1 hr · highest rate10 hrs

You manage

hrs/mo

Portfolio

Working
continuously

On Track for Retirement?

Retire at65

On Track

You're on track to reach your $1,000,000 goal and retire at 65 with about $5,193,987 saved.

Retirement runway

Projected savingsGoal

TodayRetire at 65 · $5,193,987 projected

Projected Timeline

14 years

age 42

Your Contribution

$800/month

Wealth vs. Your Peers

How does your net worth compare?

You$295,000

Median (under 35)$39,000

You have 756% of the median, a strong position for your age.Federal Reserve 2022 Survey of Consumer Finances

Comparison uses your complete tracked net worth, including assets and debts.