See Wealth Coach in action.
Explore example simulations of real financial decisions. Each one shows how a choice could affect your retirement, accessible cash, and other important goals.
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Example: Buying a home
A home that costs $100,000 more. The same projected retirement age.
Two scenarios with different purchase prices and dates.
Scenario A$750,000 home · 2027
Scenario B$850,000 home · 2029
- Projected retirement age
- 6363
- College funding
- 85%85%
- Vacation
- Fully fundedFully funded
A higher price and later purchase produce the same retirement and college projections for this household.
Change the price. Change the timing. See what fits your life.
Illustrative projections for a sample household. Your results will depend on your circumstances and assumptions.
Example: Home renovation
Same retirement age. A very different cash cushion.
Two renovation budgets for the same sample household.
Scenario A$100,000 renovation
Scenario B$75,000 renovation
- Projected retirement age
- 6363
- College funding
- 87%Fully funded
- Lowest accessible cash
- $10,000$35,000
- $10,000 vacation
- Fully fundedFully funded
Retirement timing is unchanged. College funding and the cash cushion improve.
Change the renovation budget. Find what works for your life.
Illustrative projections for a sample household. Your results will depend on your circumstances and assumptions.
Example: Buying a vehicle
The car payment is only part of the price.
Both vehicles are purchased with $0 down.
Scenario A$85,000 vehicle
Scenario B$50,000 vehicle
- Down payment
- $0$0
- Projected retirement age
- 6463
- College funding
- 38%78%
- Lowest accessible cash
- $10,000
- Vacation / home down payment
- Fully funded
The smaller budget brings retirement closer and improves college funding, but college still falls short of the full goal.
Change the car. See what changes for everything else.
Illustrative projections for a sample household. Your results will depend on your circumstances and assumptions.
Example: Comparing job options
Do you need the higher-paying job to afford the life you want?
Compare projected outcomes under two salary choices.
Scenario A$158,000 salary
Scenario B$100,000 salary
- Projected retirement age
- 6162
- College funding
- 292%94%
- Lowest accessible cash
- $75,000
- Vacation
- Fully funded
The lower salary still projects retirement at 62, with a vacation funded, but leaves a college funding gap.
College funding above 100% means projected resources exceed the stated funding goal. It is not a probability of success.
Compare the salaries. See what each choice means for your other goals.
Illustrative projections for a sample household. Your results will depend on your circumstances and assumptions.
Example: Staying home or working part-time
More time at home. What could it mean for your financial goals?
Income and childcare costs are adjusted in each scenario.
Scenario AStay home · five years
Scenario B$36,000/year · part-time
- Projected retirement age
- 6564
- College funding
- 50%54%
- Lowest accessible cash
- $0
Part-time work improves two projections, but accessible cash still reaches $0.
Compare income and childcare together. Find the balance that works for your family.
Illustrative projections for a sample household. Your results will depend on your circumstances and assumptions.
Example: The timing of another child
Two years in timing. Three years in projected retirement.
The birth year changes by two years in this sample-household scenario.
Scenario AThird child · 2027
Scenario BThird child · 2029
- Projected retirement age
- 6663
- College funding
- 12%12%
- Vacation
- Fully fundedFully funded
The retirement projection improves, but the college funding gap remains.
Explore the timing. See what growing your family could mean for each of your goals.
Illustrative projections for a sample household. Your results will depend on your circumstances and assumptions.
Example: A swimming pool purchase
Wait two years. Add the hot tub. Keep more cash available.
Both purchase amount and timing change.
Scenario A$75,000 pool · 2027
Scenario B$90,000 pool + hot tub · 2029
- Projected retirement age
- 6363
- College funding
- 87%87%
- Lowest accessible cash
- $10,000$55,000
- Vacation
- Fully fundedFully funded
Waiting leaves more cash available, even with the larger purchase.
Change the timing. Explore what else could fit.
Illustrative projections for a sample household. Your results will depend on your circumstances and assumptions.
Example: A Bar/Bat Mitzvah celebration
The celebration budget could change your retirement date.
Compare two budgets for a meaningful family celebration.
Scenario A$75,000 celebration · 2028
Scenario B$50,000 celebration
- Projected retirement age
- 6362
- College funding
- 92%101%
- Lowest accessible cash
- $35,000$60,000
- $10,000 vacation
- Fully fundedFully funded
The smaller budget keeps projected retirement one year earlier.
College funding above 100% means projected resources exceed the stated funding goal. It is not a probability of success.
Plan a meaningful celebration. See how the budget affects your other goals.
Illustrative projections for a sample household. Your results will depend on your circumstances and assumptions.
Meet Wealth Coach
Build your plan once. Keep it ready for whatever comes next.
See how Wealth Coach brings your financial picture and goals together, helps you track where you stand, and lets you test new decisions in seconds using the plan you’ve already built.
Your life changes. Return to your plan to see what changes with it.
Illustrative projections for a sample household. Your results will depend on your circumstances and assumptions.
Explore other decisions
The same financial picture works for your next question, from a new home to a change in income.
Explore all financial decisions
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Wealth Coach combines highly customizable financial scenarios with approximately 250,000 interconnected formulas to help you understand how one decision could affect your other financial goals.
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