Planning Overview
This is financial planning,
redefined.
Easy, on demand, and included with your account.
Driven by the power of technology, our free planning experience helps you explore what’s possible and provides guidance to optimize your finances. No phone calls required.
What’s on your mind?
Explore the life you want to live. It’s never been easier.
Homeownership
Can I buy a home in this city?
Based on your actual finances, we’ll calculate a home budget that reflects the mortgage you’ll realistically qualify for while factoring in the all-in costs of homeownership.
We’ll help you explore which neighborhoods are in your price range and our Redfin integration allows us to automatically update your plan with the real estate market.
Early retirement
Am I on track for an early retirement?
After we analyze your current financial habits and account for factors like inflation, investment returns and Social Security, we’ll tell you the lifestyle you’re on track to have at retirement.
See how saving more, choosing a different retirement age, or adjusting near-term goals impacts your future financial security.
Time off for travel
Can I take a year off to travel?
We’ll show you how much time you can comfortably take off for travel and still stay on track with your other financial priorities. The results may surprise you.
See how working remotely, subletting your home, or choosing different destinations can impact the affordability of your trip.
College
Can I send my kid to her dream school?
Let us walk you through the important aspects of college planning — how much it’s projected to cost, how much financial aid you can expect, and what you’re estimated to have in the future.
Once you choose a college, we’ll help you set a realistic monthly savings goal that accounts for the amount you’d like to cover and your unique financial situation.
Our advice engine
Financial expertise in your pocket.
The traditional industry wants you to believe you need a “licensed expert” to make good decisions. We disagree.
Meet Path — built by our team of PhDs, it’s the advice engine that powers all the personalized insights and projections we provide with your account, without ever needing you to make a phone call.
What we do (so you don't have to)
01. Project net worth over time
After you link your financial accounts, Path projects what you’ll have over time, making necessary calculations to account for a range of scenarios.
- Your future net worth, considering investment returns and inflation
- Impact of various income growth scenarios on your finances
- Your current savings and spendings per month
- Impact of various Social Security scenarios on your retirement
- Tax implication of withdrawals by account type
02. Incorporate the essential data
By using relevant third-party data, Path more accurately calculates the cost of each scenario you explore and its impact on your overall finances.
- US Census earnings growth data
- Bureau of Labor Statistics retirement spending data
- Real-time property prices from Redfin
- Freddie Mac mortgage data
- Department of Education’s projected college costs
03. Reflect your all-in costs
Specific milestones have specific costs. Let our advice engine automatically fill in the blanks to give you a comprehensive cost of each scenario.
- How the value of your home can contribute to retirement spending
- What your kids can expect in financial aid
- Non-mortgage costs, like property taxes, insurance, closing costs
- Expected size of mortgage you’ll qualify for in the future
- Projected home cost by bedrooms, location, and purchase date
Better understand the trade-offs
One decision will impact another – buying a house may impact your plans to retire early. We’ll show you the entire picture so you can make the choices that are right for you.
Things are bound to change. We embrace that fact.
Today, you may want a house in Los Angeles in 3 years. But tomorrow, you may get an irresistible job offer in Barcelona. Whether your finances or lifestyle change, we’ll automatically reflect the latest.
Meet your future with confidence.
After understanding your finances, habits, and aspirations, we’ll provide the strategies tailored to your specific needs.
Smart Advice
Where to save:
- $500/month in Wealthfront Account
- $1,100/month in Wealthfront Account
- $1,300/month in Work 401(k)
- $300/month in Chase Checking
- $400/month in Chase Checking
Learn how much you should be saving.
We’ll tell you how much to save per month to be on track to meet your goals.
We’ll recommend the right accounts.
Certain account types are better suited for certain goals. We’ll open the optimal accounts and recommend how much to deposit in each.
Meet future needs with the right investment strategy.
We use software to better execute time-tested investment strategies.
Cover the short-term without compromising the future.
Get access to cash quickly at a low rate with a Portfolio Line of Credit when you open an investing account.
A “planning” experience like no other.
Wondering why you can’t do all of this with a spreadsheet?
Still think you need an expert to do this type of work?
Let us change your mind.
How much does it cost?
Our planning experience is free for active clients.
Will I get pestered with calls?
Nope - no pressure, no judgment, no follow-ups from a salesperson.
How long will it take me?
Less than 10 minutes.
Why should I need to link my accounts?
Linking to your financial accounts is how we get to know you and your finances. It helps us project your net worth over time and deliver the relevant insights and advice.
How often does it update?
Fortunately for us, software doesn’t take holidays. By linking to your financial accounts, our planning experience gives you a pulse on your finances 24 hours a day, 365 days a year.
What if I have nothing to plan for?
C’est la vie. It never hurts to explore your options, who knows what you could do? If you’re dead-set on living in the moment, you’ll still have an aggregated view of your finances.