Answer the big questions that impact your financial future

Getting financial peace of mind requires a plan you can trust.
Click one of the real-life questions below to see how OnTrajectory can give you the answers you need.

  • Fire scenario

    Can I reach my goal of Financial Independence?

  • Retirement scenario

    Is my retirement plan on track?

  • College scenario

    Will I be able to educate my children?

  • Inflation scenario

    What does inflation mean to my savings?

  • Complete Flexibility & Control

    We let you geek out and customize things other tools don’t. Whatever your financial goals or assumptions, OnTrajectory is game.

  • Designed for real life

    Getting started takes just a few minutes. But if you want to go deeper, OnTrajectory supports all the complexity of real life.

  • Tools you can trust

    Our business is making software, not selling financial services. That means no sales calls, no commissions, and no hidden fees.


Serious software designed for serious savers

Tired of building spreadsheets? This is the whole-life Financial Independence tool you’ve been waiting for.

Sign-up for Free

Try OnTrajectory for free. No credit card required.

If you decide to subscribe, our pricing is simple and affordable:

Basic View


  • Enter income, expenses, and accounts into your plan
  • Plan for future changes in your items
  • Track progress against your plan
  • Calculate the ‘Chance of Success’ your plan will be achieved
  • Create an alternate scenario with different assumptions
  • View real-time updates as you make changes
  • Change central assumptions such as Retirement Age or Inflation
  • Access to educational videos and help content
  • Free email support


$8 /month or $80 annually
  • Everything Basic plus...
  • Create unlimited scenarios and compare them on the chart
  • Run Monte Carlo and Historical analysis against your plans
  • Track specific milestones on your chart
  • Complete customization options including how calculations and taxes are applied
  • Optimize how money is withdrawn from specific accounts
  • Get recommendations on how to improve your plan
  • Optimize Expenses so you can figure out the right amount you can spend each month to stay on track
  • Stress test your plan by choosing a market, life or career event
  • Run debt reduction strategies to help figure out the fastest way to financial freedom


  • Bullet #1

Join the OnTrajectory community

We’re on a mission to build the world’s most powerful personal financial planning tool. Create your free trial account to join us—or sign up for monthly email updates to stay in touch.