You have the ability to set specific goals and plot how long it will take to get there. The option of being able to add as many lines of data as you want with all different possibilities and then simply toggling them “on” or “off” to see how that impacts your future projections is a very intuitive feature.

Pros: it is a simple, customized user interface.

This software is excellent because it can handle just about any scenario you can imagine, it’s completely custom, and you can change things around without losing your existing data. Simply turn them on or off to discover how that changes your potential future. The variables you input are easily adjusted with the toggle feature. Once you have your data in, you can play with tons of possibilities and seeing the way they will unfold in your given age range, such as retiring early or changing jobs. Alternatively, if you’d rather input all your income, expenses and investments and have the highest accuracy for you, you can choose a guided entry process. Once you set up your login, you can choose a quick-start that asks only three questions, allowing OnTrajectory to make assumptions about the rest of the data. Future projections using Monte Carlo simulation.Expenses (and potential future changes).With a clear graph front and center that is always updating as you are, here are just a few of the many features this tool will help you visualize:

The features are laid out well, allowing you to easily track expenses, investments, and taxes. It uses Monte Carlo simulations to see how your plans stack up against other time periods in history, testing your financial plan to see if it will stand up over time. For example, when can I retire? Should I switch jobs? How much can I invest after my kids move out? With OnTrajectory, you can essentially plan whatever future you dream up. At any time you can run multiple scenarios to discover answers to just about any financial question you have about your future. The depth matched with the simplicity of this tool is what makes it awesome. The best feature of this software is its ability to factor in several different possible scenarios for the future. OnTrajectory is a comprehensive financial planning tool that feeds several customized inputs into a graph and shows you where you will end up financially by a specific age.

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