Dashboard

Where the money actually went — from your Monarch Money export.

Net worth

All accounts in one place — assets minus liabilities over time. Update balances monthly, or import Monarch's balances CSV.

Net worth over time

Accounts

Editing a balance records it for the current month; history builds up as you update monthly. In Monarch: Accounts → ⋯ → Download balances.

Budgets

Monthly targets per category, tracked against this month's actual spending.

This month

Detected recurring bills

Merchants that show up most months with a steady amount — your fixed-cost floor.

Add a budget

Long-term simulator

Will the plan hold — through China trips, college, and retirement? Adjust anything; everything recomputes.

Household

Income & business

Spending & assets

Retirement contributions

Taxes & strategy

Simplified federal (married-filing-jointly, 2026 brackets indexed to your inflation) + flat state rate. Withdrawals: taxable → pre-tax → Roth. RMDs from 75. See README for assumptions.

Market assumptions

Projected net worth (investable assets)

Median of 1,000 market simulations; the band spans the 10th–90th percentile outcomes.

Historical backtest — every start year since 1871

Would this exact plan have survived the Great Depression, 1970s stagflation, 2008? Real S&P and Treasury returns with each era's actual inflation (Shiller data). Red bars are start years where the plan ran out of money.

Milestones on the path

    Scenarios

    Freeze the current plan as a scenario, change some assumptions, and compare futures side by side — retire at 55 vs 60, elite vs public college, sell the business or not.

    Saved scenarios · check up to 3 to compare against the current plan

    Side-by-side comparison

    Median net worth trajectory per scenario

    Median of 500 market simulations each.

    College planning

    Per-kid 529 trajectory vs. the real cost of an elite school — and the monthly number that closes the gap.

    Sticker price vs. what you'll actually pay

    Net price at well-endowed elite schools often runs 30–60% below sticker (several are no-loan, some free below income thresholds). Use the Expected aid / discount field to model that. Also good to know: post-2024 FAFSA counts parent-owned 529s at only ~5.64% of assets (a $50k 529 costs ~$2.8k of aid), and SECURE 2.0 lets leftover 529 money roll into the kid's Roth IRA — the simulator models that rollover automatically. Planning at 0% aid is the safe, conservative default.

    Projected cost vs. projected funding at college start

    Trips & travel

    China visits, vacations, one-off adventures — budgeted as monthly sinking funds and fed straight into the simulator.

    Travel spend by year (today's dollars, next 15 years)

    Data & settings

    Import from Monarch Money, back up your plan, or start over.

    Cloud sync (Supabase) — optional

    Sync your data to your own free Supabase database: survives cleared browsers, works across devices, and lets the family share one login. Setup guide: docs/SETUP-SUPABASE.md. The app stays fully usable offline; changes sync automatically when signed in.

    Import transactions (Monarch or any bank)

    Monarch CSVs are detected automatically. Any other bank/brokerage CSV opens a column-mapping step — imports are de-duplicated, so overlapping exports are safe. Everything is parsed in your browser and stored locally only.

    Categorization rules

    Bank CSVs rarely include categories. Rules fill them in automatically at import time (first matching rule wins).

    SimpleFIN bank sync (optional, replaces Monarch's auto-sync)

    SimpleFIN Bridge (~$1.50/mo) gives read-only feeds from 10,000+ US/Canadian banks. One-time: create a setup token there, run node tools/simplefin.mjs claim <TOKEN>. Each sync: node tools/simplefin.mjs fetch, then import the JSON here — balances go to Net Worth, transactions merge with rules + dedup.

    Or try a direct sync (your browser may block it; the script always works):

    Plan backup

    Your whole plan (assumptions, kids, trips, transactions) as a single JSON file. Keep it somewhere safe; import it on any other device.

    Privacy

    This app has no server, no accounts, and makes no network requests with your data. Everything lives in this browser's local storage. Clearing browser data clears the app — export a plan backup first.