Home: your net worth and next step

Home vs. the plan dashboard

Home and the plan dashboard answer different questions. Home shows your live net worth, whether you’re keeping pace, and the one thing most worth doing next. The dashboard shows the full pathway chart to age 100, every screen’s inputs, and the what-if sandbox. Use Home for a quick glance, the dashboard for changing inputs.

Once a month, Home on your phone can also lead a short guided ritual that brings your balances and cash flow up to date. See The monthly check-in.

With data, the net-worth hero sits at the top, with a trend chart tracking live balances against the plan and an “Up to date” status chip. The side menu lists Home, Plan, What-if, Tracking, Investment, Cashflow and Plans.

The hero and the next-best-action slot

On iPad and desktop, Home stacks four cards: the net-worth hero, one “next best action” slot, this month’s cash flow, and a plan summary with your freedom age and next goal. The hero shows your live net worth, updated from your tracked holdings, cash and observations, and how it’s changed this month. Once there’s a projection to compare against, it adds a vs-plan chip and a trend chart.

On the phone, the same idea is laid out differently: a compact pulse card stands in for the full hero, a monthly loop card leads into the monthly check-in, and glance cards for Cashflow, tracking and investment sit further down.

The “+ Add” pill sits beside “Overview” at the bottom of the phone screen. Tap it for “Add”, with four doors: “Record a trade”, “Update a balance”, “Add a transaction” and “Upload a statement”. The statement door takes any bank, card or brokerage statement. Perfingo reads it first, sends it to Cash flow or Investment, and opens that tab.

The hero uses the same definition of net worth Tracking does. Your home, its mortgage, and your CPF are left out unless you switch them on, and a line under the number names whatever’s left out. The switches live on Tracking’s net-worth card. See What counts as your net worth.

The next-best-action slot changes what it shows in a set order: finish setting up your plan first, then a “welcome back” catch-up after 45 days away, then any drift nudge, then a monthly ritual card if a balance or cash-flow import is missing. The ritual card names the month it closes, and reads “Import last month’s statement”, “Log this month’s balances” or “Complete {Month} check-in”, whichever fits. Nothing to show is a quiet, valid state. Before your plan has enough to run, the setup checklist moves above the hero instead of sitting lower down.

Statements still to come in. When a statement is due, iPad and desktop show a card headed like “2 September statements to go”, ahead of the ritual card. It lists the accounts, an “Upload” button, a count such as “2 of 3 in”, and a “Not this month” option for an account with nothing to import. On the phone the same list is a row in the Monthly Loop card.

On a couple’s plan, a toggle at the top of Home switches the view between Us, You and your partner. The net-worth hero and the cash flow, tracking and investment glances follow it. The plan card and the check-in always stay with the household. The toggle changes what you see, not who can see it. See Planning as a couple.

A brand-new user sees the setup checklist lead, above a still-empty net-worth card that prompts “Log your first snapshot”, an empty cashflow card, and a plan summary reading “Your plan isn’t complete yet”. With an active plan, the hero comes first and the next-best-action slot sits below it.

The setup checklist

The checklist starts small. A few key essentials show up front, since a few minutes on these shapes the whole projection. Everything else (CPF, housing, insurance, and the rest) folds under “when you’re ready” until you open it. Tap an item to jump to its screen, or skip a folded one so it drops out of the count. “Later” tucks the whole card to a slim strip you can reopen any time.

The card is titled “Finish your plan”. It sits on Home with the rest of the page underneath it.

What do the vs-plan chips mean?

Once your plan has a value for this year, the hero shows a small chip: ahead, behind, or on track. It compares your live net worth against where the plan expects you to be today, interpolated between year-ends rather than the year’s full total. A gap within about ±10% still reads as “on track”; only a bigger gap tips ahead or behind. Tap the chip for the comparison in dollars and percent, and which date it measures against.

For example, the expanded chip can read “Compared against: Plan of 1 Jan 2022”, then “Logged assets $50,000 vs $186,465 expected by now in 2026, $136,465 (73.2%) behind”, and “±10% is expected noise.”

What does the status chip at the edge of the screen mean?

A small pill answers one question: does the chart reflect your latest input? On iPad and desktop it sits at the edge of the screen. On a phone it sits in the top bar on the Plan tab, the projection and What-if, and a plan detail screen shows the same states in its status line. It has five states, in priority order: Updating…, Offline. Tap to retry., Editing. Tap to update., Needs a fix and Up to date. Tapping Editing or Offline saves the pending edit and re-runs the numbers right away. Tapping Needs a fix opens “Things to fix”. Charts never go blank while that happens; they dim slightly and hold the last good projection.

“Editing” means a field holds an uncommitted value. “Up to date” means the projection matches your inputs.

How does autosave work?

On iPad and desktop, every plan screen has a footer with a save-status line and a “Next” button that jumps to your first unfinished screen. On a phone, plan screens have one bar at the top: back, the screen title, the status line and a “⋯” menu. The status line reads “Saved · Up to date” when all is well. The footer keeps only “Next”, and it tucks away while the keyboard is open so your forms stay visible. You never press a save button. Edits save themselves:

• Saving… A cloud save is under way.
• Saved. It worked.
• Couldn’t save. Check your connection. Your edits stay safe; the next edit tries again.
• Updated on another device. Usually a partner editing the shared plan at the same time.
• On this device. Edits will save to your account. Shown when your plan is still on this device after you sign in, until your first edit saves it to your account.
• Sign in to save. Shown if you are signed out.

The failure and other-device states show in orange, each next to a “Next” button such as “Next: Expenses”.

What is the “Things to fix” strip?

A thin “Things to fix” strip appears above every screen whenever your plan has open problems, from a blank required field to a value the calculator rejected. Tap it (or “Review”) for a list of every issue, each with a one-tap Fix that jumps straight to the field. On a couple’s plan, each issue names whose it is. The strip clears with a quick “All fixed” note the moment the last one’s sorted.

A “Fix” tap lands on the flagged field with its inline error, for example “Income ceiling: must be at least your monthly income.”

What are drift nudges?

Once you’re logging real balances, the app watches for real life drifting from the plan’s assumptions: net worth outside the expected range, spending settling above budget, or a goal falling behind its funding pace. A nudge appears only after a signal stays off for three months running, then takes the next-best-action slot with a plain explanation and a way to act. Tap “Snooze for 3 months”, or “Stop showing this” to dismiss it for good.

For example, a nudge can read “You’re spending more than planned”: “Your plan allows $1,000/mo for Living. household Living spend has averaged $1,400/mo for 3 months. Update the plan to match.” Its main button is “Update expenses”, with “Snooze for 3 months” and “Stop showing this” beside it.

The full detail of what’s tracked, and how goal funding and drift are worked out, lives on Tracking your progress.