Plan your retirement, net worth, and financial future in one clear dashboard.
Wealth Trajectory helps you project investments, savings-rate increases, employer match, debt payoff, real estate equity, taxes, Roth conversions, Social Security, and retirement income — without complicated financial jargon.
Demo values only. Not a guarantee or projection of your results.
Most retirement calculators only answer one question. Real life is more complicated.
Most calculators show a future investment balance and stop there. But real households need to understand savings increases, debt payoff, emergency funds, home equity, Roth vs. traditional accounts, Social Security, taxes, and whether their money can actually support retirement spending.
Your income changes
Salary increases, job changes, and side income aren't captured by a single contribution number.
Your savings rate changes
As debts are paid off and income rises, most people can — and should — save more over time.
Employer match matters
Vesting schedules and employer contributions meaningfully change your final balance.
Real estate equity counts
Home equity is often a household's largest asset and belongs in your net worth picture.
Roth and traditional differ
After-tax vs. pre-tax accounts have very different retirement values depending on future tax rates.
Sequence of returns risk
Retirement success depends on more than one average return — timing matters too.
A practical planner for the way real families build wealth.
Wealth Trajectory brings your accounts, goals, debts, and assumptions together so you can test the decisions that actually matter — before you make them.
Multi-account investment projection
Model 401(k), Roth IRA, brokerage, and other accounts together with separate contribution rates and employer match.
Savings-rate increases over time
Schedule automatic contribution increases of 1–2% every 6 or 12 months to see how small changes compound dramatically.
Roth conversion planning
Model strategic Roth conversions during low-income years to reduce future tax exposure in retirement.
Social Security scenarios
Include or exclude Social Security estimates at different claiming ages to see the impact on your retirement income.
Debt payoff and interest tracking
See how eliminating debt accelerates your net worth and frees up cash to invest.
Monte Carlo success testing
Run 1,000 simulations with variable returns to understand the probability your plan succeeds through retirement.
Real estate equity projection
Track home equity appreciation and model the impact of mortgage paydown on your total net worth over time.
PDF reports and scenario comparisons
Print or export your projection summary and compare multiple scenarios side by side.
Start with free calculators. Upgrade when you want the full picture.
No account required. Use any of these tools right now.
See how your money could grow with recurring contributions, returns, and savings-rate increases.
Calculate nowEstimate your retirement balance and monthly withdrawal income based on common withdrawal rates.
Calculate nowOrganize debts by balance, estimate payoff dates, and see how extra payments accelerate your debt-free date.
Calculate nowCompare Roth and traditional retirement contributions based on your current and expected future tax rates.
Calculate nowAdd up your assets and liabilities to see your current net worth and how it's composed.
Calculate nowWhen you're ready to go beyond a basic calculator.
The premium planner brings your accounts, goals, debts, and assumptions together into one projection so you can test the decisions that actually matter.
- Save multiple scenarios
- Compare retirement ages
- Test 6%, 8%, and 10% returns
- Model savings-rate increases
- Track real estate equity
- Include or ignore Social Security
- Estimate after-tax retirement value
- Run Monte Carlo success tests
- Compare withdrawal strategies
- Generate printable reports
Start free. Upgrade when you need more.
- Compound interest calculator
- Retirement calculator
- Debt payoff calculator
- Roth vs Traditional calculator
- Net worth calculator
- Saved scenarios
- Monte Carlo simulation
- PDF reports
- Full retirement planner
- Save unlimited scenarios
- Monte Carlo simulations
- Roth conversion modeling
- Tax-aware estimates
- Social Security planning
- Real estate equity tracking
- PDF reports
- Net worth history
- All premium features
- Future updates included
- Offline desktop app (when available)
- Early access to new features
Pricing subject to change before launch.
Final launch pricing may change. Early users may receive founder pricing.
Built for clarity, not commissions.
Wealth Trajectory is designed for DIY investors who want to understand their numbers. It does not sell investment products, recommend high-risk strategies, or push debt-based decisions.
- No investment product sales
- No hidden commissions
- Educational projections only
- Local-first / privacy-focused
- Built for practical planning
- Plain English explanations
Get early access to the premium planner.
Be the first to know when the premium planner launches. No spam, unsubscribe anytime.
No spam. Unsubscribe anytime. We'll only email about major updates.