Your money each year
Your take-home pay across the full year. Monthly net × 12 in most countries.
Optional. Set to 0 if you plan alone.
Everything you spend in a year: rent, food, fun, holidays. Don't include loan payments — those go further down.
Usually lower — no commute, no work clothes, kids grown, mortgage often paid off. A rough rule: 70-80% of today's spending.
How much your salary grows per year, after inflation. 1-2% is typical for most careers.
How you save and invest
Each year, where does your saved money go?
Pick what matches your investments. We'll set the expected return and risk for you.
How much you put into investments each year (your monthly investment × 12).
How much you keep in your bank account or savings deposit each year. Usually a smaller emergency fund.
How much your investments grow per year, after inflation. Stocks have averaged 5-7% historically.
After inflation. Most savings accounts pay close to 0% in real terms; a high-yield account might give 1-2%.
Loans you owe
Mortgage, car loan, student debt, credit card. Leave at 0 if you have no loans.
If you have multiple loans, use the average. Mortgage is typically 3-5%; credit cards 15-20%.
Your total yearly payments toward all loans (monthly payment × 12).
Pensions & Social Security
Income that arrives in retirement from the State or a private pension. Reduces the load on your portfolio dramatically.
In today's money. Estimate from your country's official statement. If unsure, 40-60% of your current income is a typical replacement rate. 0 if you won't qualify.
Tax-advantaged accounts
Most countries offer accounts where contributions reduce tax today or grow tax-free. Examples: 401(k)/Roth (US), ISA/SIPP (UK), PPR (PT), Riester (DE), Pillar 3a (CH), Superannuation (AU), RRSP/TFSA (CA). Skip if not relevant.
The % charged on your last unit of income. Most developed countries: 20-45%. Check your country's tax tables. If unsure, 25% is a reasonable estimate.
Usually lower than working rate. Many countries have preferential rates for retirement accounts. If unsure, 15% is a reasonable estimate.
Current balance in any tax-advantaged retirement account. 0 if you don't have one yet.
Yearly amount going to tax-advantaged accounts. Saves taxes immediately at your marginal rate.