Features

What EnvisionWorth does, feature by feature

Every goal and the assets you already own, working together in one plan you stay on top of. Here is exactly how each part does its job.

Goal-based allocation

Every asset gets a specific job

Create as many goals as you're actually working toward, each with its own target amount and date
Assign a specific holding to a specific goal (for example, 25 shares of a stock toward retirement)
Split a single holding across multiple goals, with each portion tracked on its own
See what's assigned and what's still unassigned at a glance
Get flagged when a goal's allocation needs a second look

Your numbers update as your assets perform

Your monthly contribution target recalculates based on how the assets assigned to that goal actually perform
If a goal's assets outperform the plan (say 10% versus a planned 7%), the required contribution drops
If a goal falls behind, you'll see that too, along with what it would take to catch up
Uses the income you've told EnvisionWorth about, so contribution targets stay realistic
Near-term and long-term goals are treated differently, since they carry different risk

See which assets are carrying which goal

Your goal page breaks down performance by individual holding
See how each stock, fund, or savings balance is contributing to that specific goal
A goal funded by both a holding and cash shows each one's contribution separately
Track a goal's progress over time, not just an account's
See which assets are behind and what changing them would do to the goal

Test a decision before you make it

Adjust a contribution amount and see the effect on your timeline right away
Move money between asset types and watch the projection line update
Try a specific change, like moving 40% from savings to a stock, before committing to it
See how the change moves your timeline and projected balance
Compare it against your current plan, side by side

The move that may help most, with the reasoning

Finds unassigned cash and shows what assigning it to a specific goal would do to that goal's monthly number
Flags a goal whose holdings no longer suit its timeline, for example too much cash for a long-term goal
Shows how far each goal has actually progressed toward its target
Surfaces one recommendation at a time, with its estimated impact and trade-off. Nothing is applied until you review it

Your data stays yours

AES-256 encryption for your financial data, at rest and in transit
Account connections through Plaid are read-only, so EnvisionWorth can't move your money
You control your privacy settings, including opt-out and data-export. Our Privacy Policy has the detail
Audit logging and ongoing security monitoring

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Want to try the math before you sign up? Get your Dream Number in the free planner, no account needed. Working toward several goals at once? Read how to prioritize financial goals.