See your complete financial picture — not just your investment portfolio, but your total economic worth including human capital, future income, and lifetime obligations.
Inspired by CFA Level III Asset Allocation Framework
1 · Household
2 · Income
3 · Assets
4 · Liabilities
5 · Results
Who are we planning for?
Just me
My partner and I
Children
yrs
yrs
No college $0
Public university ~$120K today
Private university ~$280K today
Education costs grow at ~5% per year. We calculate the present value of each child's future education cost.
Income & human capital
Human capital is the present value of your future income — your single largest asset. We discount it based on how stable your income is.
Your income profile
$
% per year
Typical range: 2–4% for most professionals.
🏛️
Stable / Government 3.5% discount rate
🏢
Corporate professional 5.5% discount rate
📈
Entrepreneur / Variable 8.0% discount rate
Stable income is bond-like → low discount rate. Variable income is equity-like → higher discount rate.
Your human capital
PV of future income stream
—
Partner's income profile
$
% per year
🏛️
Stable / Government 3.5% discount rate
🏢
Corporate professional 5.5% discount rate
📈
Entrepreneur / Variable 8.0% discount rate
Partner's human capital
PV of future income stream
—
Financial & real assets
$
$
Enter the full current market value — we will subtract your mortgage balance on the next page.
$
Debts & future obligations
$
$
Future consumption — we calculate this for you
Your biggest liability is often not your mortgage — it is the present value of everything you will spend for the rest of your life.