Major purchase or expense
You Can Afford It Today. But What Will It Cost You Tomorrow?
- Test the amount and timing. Compare a wedding, pool, or vacation purchase in Wealth Coach.
- See the wider impact. Explore potential changes to retirement, available cash, and other goals.
Before you spend the money, see what the decision could change.
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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.
The Decision
A major expense can affect more than today’s bank balance.
What does spending this money mean for everything else?
A major expense can affect how much cash you have available, how much you can save, when you can retire, how much you can fund for college, and what else you can afford in the future.
Wealth Coach helps you understand those tradeoffs before you spend the money.
See it in action
Your expense. Your numbers. Your financial future.
Enter the expense you're considering and see what it could mean for everything else you're working toward.
How Wealth Coach helps
Change the expense. See what changes everywhere else.
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What happens if you change the amount you spend?
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What if the expense happens next year instead?
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What if you pay for it over time?
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What if you adjust another expense or goal?
Wealth Coach lets you explore different choices and immediately see what happens across your financial future.
Accessible Cash
How much money would you still have available after the expense?
Retirement
Could spending the money change when you can comfortably retire?
College
Could the expense affect how much of your children's college costs you can fund?
Other Goals
What does spending the money mean for everything else you're working toward?
The bottom line
Some big expenses are optional. Others aren't.
Either way, understanding the impact gives you more choices.
Maybe you can comfortably spend the full amount. Maybe changing the timing helps. Maybe a smaller amount works better. Maybe the expense doesn't materially affect your other goals at all.
Wealth Coach helps you understand the impact before you spend the money.
Start by seeing where you stand. Free.
Your financial overview is free. Use Premium or an eligible trial to explore how this decision could affect your goals.
Free
No cost to see where you stand.
3–5 minutes
Create your initial financial profile in as little as 3–5 minutes.
Your own numbers
Personalized insight into how you’re tracking.
Build it once. Use it for every “what if?” that comes next.
See where you standWe built the financial decision tool we couldn’t find.
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.
Explore your options anytime, directly from your phone.
Before you spend it
Run the decision.
Set up your financial picture and goals once. Then enter the expense you're considering and see what it could mean for everything else you're working toward.
Free to start.
Wealth Coach provides illustrative projections. Not financial advice.
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