Answer plain questions
Household, pay, spending, debts, savings and the cover you have.
A free family plan, 5 to 30 years
Your family's next twenty years, laid out year by year.
Answer plain questions, one at a time. See your net worth climb, every risk covered, and a date on each step.
- Encrypted connection
- No account numbers
- About 5 minutes
SAMPLE. FICTIONAL FAMILY.
Net worth in 2046, on the plan
$2,243,140
▲ $374,967 more than as you are
Price term life coverTerm life insurance ·
Credit card paid offAUG 2028
Car loan paid offJUL 2029
Emergency cushion fullSEP 2030
On the planAs you are
Sample. Fictional family.
$0$500K$1M$1.5M$2M$2.5M
$2,243,140On the plan
$1,868,173As you are
20262031203620412046
$2,243,140On the plan, 2046
$1,868,173As you are, 2046
Credit card paid offAUG 2028
Car loan paid offJUL 2029
Emergency cushion full · saving 15% for retirement · education saving startsSEP–OCT 2030
Dana38 → 58
383940414243444546474849505152535455565758
Luis40 → 60
404142434445464748495051525354555657585960
Mia7 → 27
789101112131415161718192021222324252627
Theo4 → 24
456789101112131415161718192021222324
Net worth at the end of each year
| Year | On the plan | As you are |
|---|---|---|
| 2027 | $205,929 | $205,286 |
| 2028 | $259,899 | $256,848 |
| 2029 | $318,981 | $312,667 |
| 2030 | $383,093 | $373,056 |
| 2031 | $453,879 | $438,178 |
| 2032 | $530,467 | $507,610 |
| 2033 | $613,254 | $581,364 |
| 2034 | $702,660 | $659,655 |
| 2035 | $799,133 | $742,714 |
| 2036 | $903,148 | $830,783 |
| 2037 | $1,015,211 | $924,117 |
| 2038 | $1,115,627 | $1,003,379 |
| 2039 | $1,223,178 | $1,087,538 |
| 2040 | $1,338,317 | $1,176,884 |
| 2041 | $1,438,768 | $1,250,018 |
| 2042 | $1,569,195 | $1,350,477 |
| 2043 | $1,708,667 | $1,457,001 |
| 2044 | $1,857,752 | $1,569,915 |
| 2045 | $2,043,683 | $1,714,923 |
| 2046 | $2,243,140 | $1,868,173 |
Illustration, not a forecast or advice. Assumes 6% growth, 3% raises, 3% inflation. Future dollars. The Reyes family: Dana 38, Luis 40, Mia 7, Theo 4.
Start our planPlain questions in. A dated plan out.
One question per screen. Nothing to link, nothing to download. You can go back any time.
Pick how many years
Five years or thirty. The plan stretches to fit your family.
Get a date on each step
Cover first, in the first 30 days. Then milestones the maths found.
Six risks. Each gap measured.
For each, the plan shows what's needed, what's in place, the gap, and the kind of cover that closes it.
1 of 6
Sample. Fictional family.
01
Emergency cushion
3 months of essentials and minimums
Gap$16,825
HIGH-YIELD SAVINGS
02
Life cover
10 years of pay, plus debts and education, less savings
Gap$2,458,000
TERM LIFE INSURANCE
03
Income if you can't work
60% of pay for each earner
LONG-TERM DISABILITY INSURANCE
04
Will and guardian
Names who raises the children
WILL AND ESTATE DOCUMENTS
05
Health cover
Everyone in the household
HEALTH INSURANCE
06
Lawsuit protection
Home or savings worth protecting
UMBRELLA LIABILITY
Sample. Fictional family. The plan sets aside $217 a month for the missing cover. Planning allowance, not a quote.
2042
$1,673,896 $1,873,838
On the plan, with coverAs you are
Sample. Fictional family.
−$500K$0$500K$1M$1.5M$2M
$1,873,838On the plan, with cover
−$93,970As you are
DEC 2028
20262031203620412046
$1,873,838On the plan, with cover, 2046
−$93,970As you are, 2046
Sample. Fictional family.
First 30 days
- Price term life cover: $2,458,000 moreTerm life insurance
- Cover 60% of pay if you can't workLong-term disability insurance
- Write a will and name a guardianWill and estate documents
- Add umbrella liability coverUmbrella liability
- Set the monthly transfers
- Credit card paid off
- Car loan paid off
- Emergency cushion full
- Saving 15% for retirement
- Education saving starts
What we ask, and what we don't.
Round numbers are fine. Your email comes at the end, before the plan. A phone number is optional.
- Who's in the household, and ages
- Pay, before tax and take-home
- Monthly spending, in two numbers
- Debts, savings and the cover you have
- Your email, so we can send the plan
- Account numbers or logins
- Social Security number
- Your employer's name
- A phone number, unless you want a call
- Any payment, now or later
- Encrypted connection
- No account numbers
Before you start.
Is this advice?
No. It's an illustration built from your answers and stated assumptions. Guidance comes from a financial professional, and only if you ask for it.
How are my answers handled?
They travel over an encrypted connection. We never ask for account numbers. A person follows up only if you give a phone number or press a request.
What does the cover cost?
The plan sets aside a planning allowance for cover, inside the plan line. It's a planning allowance, not a quote. You can ask for real prices.
Why choose the number of years?
Families plan for different things. Five years might be the card and the car. Thirty might take you past the children's degrees.
Twenty years. One plan. Your family's footing.
Answer plain questions. Get a date on every step.
Start our plan