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Plans & strategy
The five plans, how surplus is routed, and the prescription contract.
The five plansA plan bundles an investment rule with a debt-ordering rule (Avalanche or Snowball). The Lab filters; it never ranks.How surplus gets routedThe math-optimal split across three buckets in priority order: reserve, high-APR debt, then investing.Reinvesting vs routing your dividendsReinvesting (DRIP) compounds dividends back into your sleeves; routing deploys them through the plan's rule. With high-rate debt, routing a dividend at it can do more than reinvesting.Tuning a plan — the Plan settingsEvery assumption behind a projection is a saved per-plan setting, not a hidden constant — pay frequency, contribution, sleeve split, scenario, and the Margin Float dials.Cash First — the no-leverage planEach period the model routes the surplus — reserve first, then high-APR debt, then investing.Smith Manoeuvre — converting mortgage interestRe-borrowing freed mortgage principal from a readvanceable HELOC and investing it makes the interest tax-deductible.Margin Float — floating bills, investing the freed cashEach period invests your surplus from cash and borrows against the portfolio to float an obligation, investing the freed cash.Value-per-dollar — why some moves rank above othersHow Margin Float ranks which obligations to float, using the distributions yield against the margin rate.This period — the money-map and prescription cardA glanceable money-map (where your paycheque would go, what the plan would borrow) over prescription cards, each with its math one click away.Margin Float presetsOne profile pick — Conservative / Balanced / Aggressive — sets every risk dial at once. Coherent points on an aggression axis.
Still stuck?
Every number here traces to a formula in the engine. If one disagrees with what the app shows, that's a bug worth reporting — an email to support reaches a person.