What do you own today, and what do you owe?
Round numbers are great here. We look at what is invested for the future versus what still has a balance, no spreadsheet acrobatics required.
Card A · What you own & invest
What you have saved or invested
Funds dedicated to your future self. Estimate your balances as of this morning. Perfection is never the goal.
Retirement Accounts
401k, Traditional / Roth IRA, Super
Taxable Brokerage & Cash Buffer
High-yield savings, CDs, stocks
Do you own your home? Home value can be counted if you plan to downsize or relocate. Keeping property separate keeps your retirement number honest.
Card B · What you still owe
Liabilities & debt balances
Debts simply reduce how much of your future cash flow belongs entirely to you. Enter current balances remaining.
Mortgage Remaining
Primary residence
Other Loans & Balances
Auto loan, personal notes, student debt
Having debt is a normal chapter of life. Every dollar you pay down directly fortifies your retirement timeline.
Plan Starting Engine
Live SynthesisStarting investment pot
$250,000
Compounding from Day 1
Ongoing savings addition
$0 /yr
From current earnings
Planner's note: you don't need a clean balance sheet to get clear answers. Knowing where you stand today is half the relief.