Easier Tax-Rate Modeling

We’ve made it easier to model the tax-advantages of contributing to a retirement plan. Now, when you designate contributions that typically occur “pre-tax” (such as those to a 401K or Traditional IRA), OnTrajectory automatically excludes those contributions from taxable Income — meaning you needn’t adjust your tax-rate to account for those contributions. We’ve also added …

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Smarter “Draw-Downs”

OnTrajectory just got a little smarter. When modeling years with negative cash-flow (such as retirement), OnTrajectory has always let you indicate which accounts to draw funds from first – but now you can leave more of those decisions to us! Our draw-down logic now takes into account 4 characteristics when automatically selecting an account to pull funds from: …

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Expanded ‘Employer Contributions’ at OnTrajectory

We’ve expanded our Employer Contributions functionality to give you more financial modeling flexibility. Now you can define contributions from employers for both 401k/403b and HSA accounts. In addition, both your defined contributions and employer contributions can be designated either as a fixed amount or as percentage of Income (or any combination of the two), as illustrated below: Just a reminder, …

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The Gateway Drug of Personal Financial Planning

You’re just cruising down the internet minding your own business. Maybe you’re doing some window shopping, and an attractive loan interest rate catches your eye – 2.9%. Oh,  hell yeah! So, you quickly look around and nearby you see a nice, professional-looking calculator offering to crunch monthly payment options for you – and it let’s you …

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New Feature Alert: Item Re-Ordering & Equation Support

Two new feature enhancements to OnTrajectory this month! Feature 1: Item Re-Ordering Change the order your Income, Expense & Account items appear — just click and drag the ‘up/down’ icon to move items to a new position (note: the top-most ‘Deposit Account’ cannot be moved). Feature 2: Support for Equations You can now use mathematical operators …

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Beware the Easy-to-Find Tools

Type “Retirement Calculator” into Google and look at the top 5 results – you’ll see tools from: CNN Money BankRate.com Charles Schwab Bloomberg Business Vanguard They all look something like this: And here’s what they all have in common: You must forecast saving the exact same every year until you retire. Can you factor in a few …

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Reading money tips not enough: How can you incorporate good financial habits to save more?

This is contributed by Patricia Sanders. According to a recent survey conducted by gobankingrates in 2015, almost 62% of Americans’ savings account is not fattened enough. They have less than $1,000 in the savings account that is not enough for securing financial future. The survey reveals that most of the Americans save a very little amount …

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