Your family's finances, in one calm screen.
Three quick questions to get started, or load a sample family to look around first.
Overview
Net worth
Add each account and its current balance. Click "Save monthly snapshot" once a month to build your history.
Forecast assumes you keep saving /mo and investments grow %/yr (after inflation). It's an illustration, not a prediction.
Budget vs actual
Set a monthly budget per category and type what you actually spent. Green is under budget, red is over.
Where the money goes
From gross pay to taxes, savings and living costs, per month. Taxes are rough estimates using 2026 federal brackets, standard deduction and FICA.
Goals
What you're saving for, and whether you're on pace.
Baby & childcare cost planner
A first-year and ongoing cost estimate. Defaults are typical U.S. ranges; change them to match your area and choices.
Dependent Care FSA: up to $7,500/yr per household from 2026, pre-tax. We estimate the tax savings at your marginal rate. Check your employer's plan. Also look at the Child Tax Credit and your state's paid family leave program.
529 college savings projector
How a monthly contribution could grow by the time each kid turns 18, compared with projected college costs.
Returns aren't guaranteed and 529 portfolios usually get more conservative as college nears. Many states give a tax deduction for contributions. Unused money can go to another child, and up to $35k can roll into the child's Roth IRA (rules apply).
Life insurance needs (DIME method)
A rule-of-thumb estimate of how much coverage would keep your family whole if you weren't here. DIME stands for Debt + Income + Mortgage + Education, minus what you already have.
Assumptions: income is replaced in full with no investment growth or inflation, which keeps it simple and errs on the high side. Social Security survivor benefits are left out. Employer coverage usually ends if you leave the job. Term life (20–30 years, matched to when the kids are grown) is the usual tool for this need. Get quotes and talk to a licensed professional before you buy.
Can we afford a home on one income?
Tests a house price against one paycheck, so the family is safe if one parent stays home or loses a job. Payment = PITI (principal, interest, taxes, insurance) + HOA + PMI.
Guidelines: housing ≤ 28% of gross monthly income and all debt ≤ 36% (the classic "28/36" rule). Lenders may approve more, but that doesn't mean it fits your budget. PMI is estimated at 0.5%/yr when the down payment is under 20%. Max price is the highest price that keeps housing within 28%.