Plans & strategy

Tuning a plan — the Plan settings

Every 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.

Every assumption behind a plan's projection is a saved setting, not a hidden constant. The Plan settings gear (top-right of any plan) opens one modal with every dial; changes persist per plan, so the numbers don't reset when you navigate away.

  • Pay frequency.Defaults to "Match my pay schedule" (your real Spending Plan cadence); pick another (weekly / every 2 weeks / semi-monthly / monthly / annually) to re-run the projection at that frequency — it doesn't change your income setup.
  • Contribution per period. Auto (your free cash per period) or a custom amount.
  • Sleeve split. Steady (anchor) vs high-yield share of new investment.
  • Market scenario (Cash First / Smith) — Bear / Base / Bull growth assumptions, alongside the sleeve yields.
  • Margin Float dials — risk profile (Conservative / Balanced / Aggressive), end-game (paying to debt-free / holding / keeping it in a band), the broker margin rate, and a stress test.
  • Chart & detail — the Monte-Carlo confidence fan and the line-by-line table length.

One source of truth. Saved settings drive the projection and, once you adopt the plan, become the tracked config — so the preview, the per-period cards, and the adherence snapshot always read the same numbers.

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