Planning several dreams at once? Your questions, answered.

That collision is exactly what EnvisionWorth is built to surface. Each goal gets its own monthly number based on its target amount and timeline, and the planner combines them into one Dream Number, the monthly amount they take together. When two goals overlap, say a house deposit and a wedding in the same year, you see the combined monthly cost before committing to either, plus what changes if you delay one, resize one, or stagger them.

Yes. Allocations are never locked. You can reassign an investment, or part of one, from one goal to another at any time, and every affected goal recalculates immediately. The goal you took from shows a longer timeline or a higher monthly contribution, and the one you fed shows the reverse. Nothing is bought or sold at your broker; you are changing what each holding is earmarked for.

Most people can't, and the planner says so plainly rather than quietly assuming you'll find the money. When your goals need more than your income supports, it routes you into an optimization step with three concrete options: give a goal more time, right-size a target, or keep everything as-is and see the real shortfall. You pick which trade-off you're willing to make.

You decide. The planner doesn't impose a priority order. What it does is price the consequence of each choice so the decision is informed rather than a guess. Delaying a long-horizon goal by two years costs very differently from delaying a short-horizon one, because compounding has a different runway to work with, and you see that difference in dollars before you choose.

Yes. The free planner runs entirely in your browser with no account, but it can only give you a projection: it prices each goal off the risk level you pick, so its monthly number assumes your investments return exactly that. Link your holdings and it becomes a live number, recalculated from what your investments actually return for each goal. That matters most when you are ahead. If your retirement holdings return 10% against a planned 7%, your required contribution falls and the freed-up room is genuinely free to redirect or spend.

Your sensitive financial data is AES-256 encrypted, and accounts connect read-only through Plaid, so EnvisionWorth can't move money. We never sell your data or share it for advertising. We share only what's needed with the providers that run EnvisionWorth, as our Privacy Policy explains.

Each goal is priced independently from its target amount, its deadline, and the growth rate implied by the risk level you pick for it: conservative, moderate, or aggressive. A $60,000 deposit needed in three years and a $60,000 deposit needed in twelve years produce very different monthly numbers, because the longer horizon lets compounding carry more of the load. The planner totals every goal's monthly figure and compares it to your income.

Contributions recalculate automatically. If the investments allocated to retirement grow at 10% instead of the projected 7%, the monthly amount required to stay on track drops, say from $400 to $330, and that freed-up room can go toward another goal or simply stay yours. The reverse also holds: underperformance raises the required contribution rather than silently pushing your date out.

Yes. If you hold 50 shares of one stock, you can allocate 25 to retirement and 25 to a house fund. Each slice is tracked independently, so you see how those 25 retirement shares are performing against that specific goal, separate from the other allocation. That is useful when one goal is on track and another isn't, despite sharing the same underlying holding.

Update either at any time and the required monthly contribution recalculates instantly, along with whether your current pace and allocations will still get you there. Because your goals draw on the same money, changing one also re-tests the others. Pushing a wedding out by a year may be what makes a house deposit reachable, and you'll see that knock-on effect rather than having to work it out yourself.