A Million of Me
Answer the What Ifs of Life's Big Financial Decisions
A Million of Me makes financial planning feel less like navigating a labyrinth and more like choosing your own adventure. It's an interactive, visual financial simulation tool built to replace clunky spreadsheets and simple online calculators with a dynamic timeline canvas. Users drag and drop real-world financial variables (e.g., major purchases, promotions, changes in savings rate) to see multiple parallel financial outcomes in real time.
Start Your TimelineHow It Works
Set Your Baseline
A step-by-step setup for your income, housing, and baseline cash flow — about ten minutes for one person, a little longer for a couple.
Drop Your Life Events
Map out your future milestones—promotions, real estate moves, or lifestyle changes—and see exactly how they ripple across your finances, all in today's dollars.
Splinter Your Timeline
Compare parallel realities side-by-side to see how different choices ripple across decades.
Ditch the spreadsheet. Keep your privacy. Ignore the gurus.
You shouldn't have to spend late nights troubleshooting broken formulas just to answer a question about your future. You shouldn't have to hand over your bank logins or personal transaction data. And you definitely shouldn't have to call into a radio show to know if you can afford it. (Love you, Suze.)
For Everyone
Everyone has big financial questions hanging over their head. A Million of Me brings clarity to kitchen-table discussions, turning stressful hypotheticals into a clear visual timeline so you can make major decisions with confidence.
For Students
The ultimate companion to financial literacy programs. Rather than memorizing dry financial rules, students get an interactive sandbox to see how today's choices—like taking on student loans, buying the car, or accepting an entry-level job—echo across their next 30 years.
Disclaimer
A Million of Me is a financial modeling and educational sandbox tool designed for informational and planning purposes only. A Million of Me is not a registered investment advisor, broker-dealer, certified financial planner, or tax professional.
The projections, tax-bracket calculations, withdrawal waterfalls, and scenario simulations generated by this software are based on user-provided inputs and generalized mathematical algorithms. They do not constitute personalized financial, legal, tax, or investment advice. Past performance and asset growth rates are hypothetical and do not guarantee future results.
Before making any massive life changes, tax maneuvers, or quitting your day job to breed championship llamas, please talk to a licensed professional who can actually look at your situation. Because this app operates on a privacy-first architecture, you retain sole responsibility for your data integrity. If you want to save your profile, you need to export your data to your computer and reupload.
Every figure in this app is shown in today's dollars, not future/nominal dollars. That keeps the numbers meaningful without asking you to guess at decades of inflation, but it comes with two simplifications worth knowing: income and everyday expenses are assumed to move together with inflation (so they're modeled as staying flat in real terms), and loan/debt interest rates are applied exactly as entered, without an inflation adjustment — which tends to overstate the true long-run cost of debt by roughly the inflation rate. The biggest place this shows: a fixed mortgage payment stays the same in today's dollars for the life of the loan, when in reality inflation makes it steadily cheaper — so comparisons of buying against renting lean toward renting.
Every tax bracket, standard deduction, contribution limit, Social Security figure, and credit amount in this app reflects 2026 federal (and, where applicable, 2024–2025 state) tax law. Tax law changes every year, and this app does not track those changes automatically — treat this as a snapshot, not a live feed.
The Stress Test runs a branch through many random futures. Only investments are randomized; savings interest and home prices keep their usual rates. Each year is centered on what the plan itself assumes — 5.5% after inflation, or a Market Condition event's rate — and the swings are a balanced portfolio's: at 5.5%, 8 years in 10 land between −10% and +23% while working, easing to −5% and +17% once retired as savings shift toward bonds (wider in the volatile market). The weak-decade market runs about 4.5 points lower for its first ten years; the crash market drops investments 35% the year work income ends. These are simplified, made-up markets, not a replay of history.