1Where we are today

Bills due soon

2Linked accounts

Connect Fidelity and Amex through Plaid. Balances replace the snapshot, and real card charges give you your monthly spending. Plaid's keys stay on the server, and nothing is shared beyond this page.

3Your numbers

This page never guesses a rate or a future cost. Type your own numbers. A blank box counts as 0 or "no change", and step 4 lists everything left out. Your numbers are saved in this browser only.

4What's left each month

Take-home pay minus the mortgage, everyday spending, kids, Roth saving and any refinance costs, from 2027 to 2036. It uses only today's facts and the numbers you typed in step 3.

Where the numbers come from

Privacy: only someone with the family password can open this page. Plaid access keys are encrypted and never sent to the page. A planning tool, not financial or tax advice.