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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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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How to Have a Better Mid-Life Crisis

(Note: All calculations and charts rendered with OnTrajectory.com) It doesn’t matter if you’re happily married or in the throes of a brutal, debilitating divorce. You may have been a conscientious saver, you may have formed wise money-habits – able to navigate narrow budgets with ease. But one morning you’ll wake up and feel the need to buy something …

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