Accounts & Liquidity

Can I model a plan for a household with multiple adults and dependents?

Yes, during initial onboarding you can configure multiple adults and dependents. Once the model is established, salaries, pensions, and retirement ages are tracked individually, while liquid reserves and expenses are managed jointly.

Accounts & Liquidity

How does the plan treat joint checking and savings?

Balances are aggregated at the household level to serve as a shared liquidity buffer for daily living expenses and deficits.

Accounts & Liquidity

What accounts are considered liquid?

Checking, savings, and money market accounts that provide immediate cash availability for regular living expenses and cash-flow offsets.

Accounts & Liquidity

Why are liquid accounts simplified?

Accounts use combined balances and aggregate return rates to reduce setup friction while maintaining reliable long-term projections.

Cash Flow & Projections

How does the app handle a new calendar year?

When a new calendar year begins, the app detects the date change and prompts you to update your base plan year. Ages and projection timelines increment automatically, and you are presented with proposed updates to starting balances, income, and expenses to keep your plan aligned with current financial reality.

Cash Flow & Projections

What happens when annual expenses exceed recurring income?

The computation engine automatically covers deficits by drawing down liquid reserves in priority order before tapping retirement assets.

Cash Flow & Projections

How is surplus cash flow handled in projections?

When positive cash flow auto-saving is enabled in Settings, annual income surpluses are automatically added to liquid reserves. If disabled, surplus funds are not swept into savings, allowing you to model unallocated cash flow.

Cash Flow & Projections

Are future projection values adjusted for inflation?

Yes. All projections are modeled in base-year purchasing power using Consumer Price Index (CPI) inflation adjustments, ensuring future figures represent real buying power.

Cash Flow & Projections

Why are projection values exact rather than probabilistic?

Calculations follow deterministic mathematical rules and progressive tax tables rather than randomized simulation ranges.

Cash Flow & Projections

Does this use Monte Carlo simulation?

No. Everyone Can Plan uses a deterministic engine that models exact cause-and-effect projections rather than randomized probabilistic simulations.

Cash Flow & Projections

How does the Projection Range work on the Cash Flow graph?

Toggling Projection Range runs two built-in high and low sensitivity snapshots alongside your unchanged baseline. It applies fixed return and inflation offsets to show a realistic trajectory corridor on the Cash Flow line without requiring manual inflation adjustments.

Cash Flow & Projections

How do I read the Cash Flow graph?

The Cash Flow graph plots total annual income against net cash flow over time. Net cash flow indicates whether annual income covers all expenses and obligations; negative cash flow years (shown in red) mark periods where liquid reserves are drawn down.

Cash Flow & Projections

How do I read the Net Worth graph?

The Net Worth graph projects total household net worth over time by aggregating all assets (savings, real estate, brokerage, and retirement accounts) minus all debts (mortgages, loans, and credit cards). It shows wealth accumulation during working years and wealth preservation or decumulation in retirement.

Cash Flow & Projections

Has the model been tested against professional financial plans?

Yes. The computation engine is verified against comprehensive benchmark plans prepared by certified financial professionals.

Taxes & Real Estate

How are taxes estimated?

Taxes are projected using country-specific brackets in base-year purchasing power, then indexed forward to preserve progressive tax behavior.

Taxes & Real Estate

How are State Pensions, Social Security, and RMDs handled?

The model incorporates country-specific statutory pension ages and social security rules. For tax-advantaged retirement accounts, it models contribution limits and Required Minimum Distributions (RMDs).

Taxes & Real Estate

What kinds of future events can be modeled?

You can layer career moves, home sales, college funding, and retirement timing non-destructively without mutating baseline data.

Taxes & Real Estate

How do stock options work in the app?

Existing stock options are added under Assets, tracking grant date, vesting schedules (e.g. 4-year vesting), strike price, and stock appreciation. Future equity awards and planned exercises are added under Events (as Option Grant or Option Exercise events) to project future equity value and cash flow impacts.

Taxes & Real Estate

Can users model homes, mortgages, and vehicles?

Yes. The platform models real estate equity, property taxes, appreciation, and fixed loan amortizations across the plan horizon.

Taxes & Real Estate

How do Future Events work, and what is non-destructive modeling?

Future Events allow you to layer life transitions—such as job changes, home purchases, or retirement timing—directly on top of your plan. They are non-destructive and reversible, meaning toggling or removing an event recalculates the timeline immediately without modifying your baseline financial records.

Platform & Privacy

How does the Reset function work?

Located in Settings under Model, 'Delete data and reset app' completely clears all local database records (incomes, expenses, assets, debts, and events) and resets preferences. Because all data is stored 100% locally on your device, this action permanently restores the app to its fresh initial setup state.

Platform & Privacy

Where is my personal financial plan stored?

100% locally on this device. No financial accounts, balances, or personal inputs are sent to remote servers or cloud databases.

Platform & Privacy

Does the app rely on third-party cloud computation?

No. All financial calculations and multi-decade projections execute entirely on-device without cloud dependencies.

Platform & Privacy

Can I export or print my financial plan?

Yes. You can generate comprehensive PDF plan summaries or export raw CSV data directly from the app for personal archiving or professional review.

Platform & Privacy

What countries and languages are supported?

The engine supports 26 countries and 17 languages, including localized tax tables, retirement systems, and statutory rules.

Platform & Privacy

What platforms are supported?

Available across iPhone, iPad, Mac, Apple Watch (glanceable dashboard), Android phones, tablets, and foldables.

Compliance & Guidance

Does the app provide financial, tax, or investment advice?

No. Everyone Can Plan is a self-directed educational modeling tool and does not recommend investments or replace professional advisory services.