What You Own & Owe
Let's build your foundation!
Quick rundown of what you own and what you owe — ballpark numbers are totally fine. This is where your plan starts.
Think checking accounts, savings accounts, money market, CDs — anything liquid and easy to access.
Things like a 401(k), 403(b), IRA, Roth IRA, or any employer-sponsored plan — doesn't matter who holds it.
Add them all together — 401(k), IRA, Roth, whatever you've got. A rough total is totally fine.
Stocks, bonds, index funds, ETFs, brokerage accounts — anything you invest with that isn't a retirement account.
Think current market value — whatever it's worth today if you looked it up right now.
A home, rental property, car(s), jewellery, art, a business you own — anything with significant real-world value.
Your best estimate is perfect — current market value, not what you paid.
Mortgage, car loan, student loans, credit cards — anything you owe. We use this to build your full net worth picture and payoff timeline.
At 20–25% APR, credit card interest compounds against you every month. Paying it off is the highest-return move you can make.
Carrying a balance? Your plan will treat payoff as Priority #1. At 20–25% APR, nothing out-earns eliminating this debt first.
Debt above 10% APR is compound interest working against you. The longer you carry it, the more it costs. We're going to prioritize paying it down.
Scenario: $10,000 debt at 12% APR vs. investing $250/mo at 7%. Same 10 years. Two completely different outcomes.
Under 35% — strong. Your assets comfortably outweigh your debts.
35–50% — manageable, but a paydown plan helps.
Over 50% — heavy load. Every extra dollar toward debt has an outsized effect here.
Tap anywhere to close.
Your Cash Flow
Now let's talk money in, money out.
Your cash flow is the engine of your whole plan. We'll map what comes in and what goes out — honest estimates are all it takes.
Things like a 401(k), 403(b), TSP, 457, or SIMPLE IRA — any plan where your contributions come out of your paycheck before it hits your bank.
Select the contribution rate shown on your pay stub or plan documents. The 2024 limit is $23,000/year (under 50) or $30,500/year (50+).
Many employers chip in extra money on top of what you contribute — it's essentially free money added to your retirement account.
This is the percentage of your gross wages your employer contributes. Common examples: a 3% match means they put in 3% of your salary on top of what you save.
Your total pay before taxes — found on your offer letter, W-2, or pay stub. A ballpark number works great here.
Think take-home pay — what actually lands in your bank account after taxes. Include your salary, side gigs, freelance work, rental income, bonuses, RSUs, stock comp — everything. If it hits your account, count it.
📌 Not sure of the exact number? Round to the nearest $100 — we can always refine later.
Think a rental property kicking off, a spouse returning to work, Social Security starting, a side business ramping up, or any other income stream that isn't active yet but will be.
Your best estimate is all we need. We'll weave it into your plan at the right time.
Here's your income picture.
Rent, mortgage payment, HOA fees — whatever you pay to keep a roof over your head.
Enter your monthly total — combine it all: grocery runs, coffee, takeout, restaurants. It adds up faster than you think.
Gas, public transit passes, Uber/Lyft, parking. Car payments are already handled in your debts section.
Enter your monthly total for electricity, water, gas/heating, internet, cell phone bill — all the "keep the lights on" stuff.
Streaming services, gym membership, software, meal kits, news apps — whatever auto-charges you on a schedule. Add up your monthly total.
Flights, hotels, vacations, concerts, hobbies — the fun stuff. If you have an annual budget (like one big vacation), just divide by 12 to get your monthly number. That works perfectly.
📌 No travel budget? That's totally fine — just leave it at 0.
Enter your monthly total for health insurance premiums (if you pay them directly), co-pays, prescriptions, haircuts, gym, beauty — anything that keeps you healthy and feeling good.
Think pet costs, subscriptions you haven't counted yet, hobbies, donations, kids' activities, storage units — anything that's a regular monthly spend. Totally fine to leave blank if you're covered!
Why does it matter? Because without a cushion, one unexpected expense can derail everything else — your savings goals, your debt payoff, your peace of mind. With a solid emergency fund, you handle life's curveballs without going backwards financially.
How many months is right for you? Most experts recommend 3–6 months. If your income is unpredictable, you're self-employed, or you have dependents, lean toward 6 or more. If you have a rock-solid job and low fixed expenses, 3–4 months may be plenty. Pick what lets you sleep at night. 😌
Here's your full cash flow picture.
Your Goals
When expenses exceed income, there are no resources to allocate toward any financial goal. Return to Cash Flow, reduce expenses, then come back.
Congratulations — your goals are set!
You've taken a huge step. Here's a snapshot of what you're building toward.
Your financial plan is ready.
You've done the work — mapped your assets, understood your cash flow, and set goals with real numbers behind them. That is a real financial plan.
SubbiWise is genuinely honored to be part of your financial journey. We're here whenever you need a check-in, an update, or just a second set of eyes on the numbers.
Set the order your money works for you. When one goal is done, its monthly amount automatically moves to the next one on the list.
Financial Overview
Your complete picture — net worth trajectory, cash flow, and goal progress.
Each scenario randomizes annual returns based on historical market volatility. The result? A probability spread that shows not just what might happen, but how likely each outcome actually is.
Why does it matter? Because the market doesn't move in a straight line. A single "average return" projection gives you false confidence. This stress test shows you the full range — so you can plan for the real world, not a spreadsheet fantasy.
Bear = bottom 10% of outcomes · Bull = top 10% · Base = median path
Debt goals show declining balance as monthly payments + extras pay down the balance with interest.
Retirement shows accumulation (all investable assets including cash) then drawdown at a conservative 5% return. Checking and savings balances are included in the retirement pool. A 15% blended withdrawal tax is applied to the drawdown to account for income tax on traditional 401k/IRA withdrawals and capital gains on taxable accounts.
⚠️ Real estate is included in net worth but is not drawn upon for retirement withdrawals.
This chart models your net worth — your total assets minus any debts — year by year, from today until age 95.
While you're working (accumulation): Your monthly surplus is invested and grows at your chosen return rate (typically 7%/yr). As each debt is paid off, that freed-up cash automatically flows into your investments — compounding on top of everything else.
In retirement (drawdown): Your portfolio earns a conservative 5% annual return — reflecting a more balanced, lower-risk allocation you'd typically hold in retirement. You draw on it to cover your living expenses. A 15% blended withdrawal tax is applied to each withdrawal — accounting for ordinary income tax on traditional 401k/IRA distributions and long-term capital gains on taxable accounts — so the model draws the gross amount needed to cover your after-tax expenses.
🔑 Why does net worth keep rising even in retirement? Because 5% earned can exceed the withdrawal rate. If your portfolio is $1M and earning 5%, that's $50K/year in growth — while a typical safe withdrawal is just $40K (4%). The gap keeps your net worth climbing, which is exactly what the green upward slope represents.
The shaded band shows 300 randomized market scenarios — the real world isn't a straight line. The gold line is your base-case projection.
· This card shows data you personally entered — it is not verified financial information
· The card is generated on your device and not stored or transmitted by SubbiWise
· If you share publicly, your financial figures will be visible to others — consider using the anonymised version