Will & Nicole
connecting...

Net worth over time

Milestones ahead

Breakdown

Key progress

Joint accounts

Will's accounts

Nicole's accounts

Credit card balances

Update balances

Records a net worth snapshot for the chart and the trajectory.

Enter paychecks
Step 1 of 4
Will's paycheck
Nicole's paycheck
Work the transfer checklist
Step 2 of 4

Order comes from your rules in Settings. Edit "i did" if your amount differed, check off as you go.

Allocate what's left
Step 3 of 4
Put any remaining money into accounts below. These update balances and log as transfers on commit. Anything you leave unallocated stays in checking as spending money.
Unallocated
Review & commit
Step 4 of 4
Pay period summary
Ready to commit?
Updates balances, goals, credit cards, logs a snapshot, and moves your dot on the trajectory.

Payday history

Where you are
—
Save balances or commit a payday to plot yourselves on the cone.

Projection — probability cone vs your actuals

25–75% 10–90% Median Your snapshots
Runs 300 randomised trials over your return assumptions. Every committed payday adds a dot.

Savings rate — planned vs actual

Household income under this plan

Milestones

Bind an event to another with a year offset and a slip reflows everything downstream. Mark one done with its real age and the projection recalculates from truth.

Income paths — all-in comp ($k by age)

Will
Nicole
Presets load a starting curve — every cell stays editable after.

Plan assumptions

Planned vs actual

Spent by category

Add a goal

Add transaction

Credit card balances

Recent transactions

Priority action plan

    Payday allocation rules (edit in Settings)

    Goal funding plan

    Net worth milestones

    Every number the tracker uses lives here. Change it, save, done — no redeploys.

    Accounts

    Add, rename or remove any account. New ones appear everywhere automatically — balance inputs, the Overview breakdown, goal auto-sync, payday extra contributions and the net worth math. cash and invest count as assets; debt subtracts.

    Payday allocation rules

    These build your payday checklist in priority order. fixed — set dollar amount. fill — bring the balance to target (cards, checking buffers, debt payoff). percent — share of that paycheck. surplus — a share of whatever is left. Drag priority numbers to reorder.

    Targets & caps

    Limits & schedule