Financial Planner FAQ

It computes yearly inflows, outflows, and asset growth. If outflows are higher than inflows, the app performs drawdown based on your configured order.

Drawdown order defines which source is used first when money is needed (for example: cash, savings, investments, tradeable assets). If one source is not enough, the next source is used automatically.

Taxes are applied only on sell events (drawdown or forced liquidation), not on unrealized gains. Taxes are off by default until you configure and enable them.

Standard uses a global tax rate on gains only. Tax-Free has no tax on sale. Custom uses a custom rate on gains only. Tax-Deferred taxes the full withdrawn amount, not just gains.

Cost basis is the amount originally paid for an asset. It helps estimate the gains portion on sale. Tradeable assets let you set a custom cost basis; if not provided, the app defaults to the asset value at creation time.

In most countries, interest on savings is taxed when your bank credits interest, not when you withdraw. The savings growth rate you enter should already be net of any interest tax.

Partial sale allowed means you sell only what is needed, common for stocks, ETFs, and crypto. Full sale only means the asset is treated as indivisible, common for house or car.

Financed assets are sold in full. Sale proceeds first settle the remaining linked liability. Only the remaining net amount can cover drawdown.

On acquisition year, the selected source asset is sold first to fund the purchase. If that is not enough, the remaining amount follows your drawdown order.

It caps how much new positive allocation goes to cash. Surplus allocation is redirected to savings and investments according to configured ratios.

If all configured sources are exhausted and there is still uncovered outflow, the remaining amount is represented as negative cash. This warns that the plan is not sustainable under current assumptions.

Before retirement age, salary is used as inflow. From retirement start year onward, pension inflow is used instead.

Use Custom Entries and create recurrent outflows with monthly or annual frequency. You can split property tax, insurance, utilities, HOA, and maintenance for clearer tracking.

Create recurrent monthly outflows in Custom Entries, either one line per subscription or grouped into one line item.

Create an Asset and set payment method to Financed. Add down payment, financing rate, term, and frequency, then set value change type to Depreciate.

Create one tradeable asset per account and assign the tax treatment that best matches when taxes are usually due. This is a planning approximation, not tax advice.

Use realistic assumptions and compare multiple scenarios (best case, base case, stress case). Small changes in growth, taxes, and outflows can create large long-term differences.