How goal-based planning works
Most people have money spread across several accounts with no clear idea what each part is working toward. Here are the four steps EnvisionWorth uses to bring it into one plan you stay on top of.
Define your goals and income
Tell EnvisionWorth what you're working toward: retirement, a house, your kids' education, a vacation. Set a target amount and a timeline for each one, and where you'd like it invested.
EnvisionWorth prices out what each goal needs from you every month. You'll see from day one which goals fit and which don't, and what it would take to change that.
Bring your accounts together, then give them a purpose
Link your bank, brokerage, and retirement accounts. Then assign what you actually own, an investment, a savings balance, even part of one, to the goal it's meant to fund.
Own 50 shares of a stock? Put 25 toward retirement and 25 toward your vacation fund. Have a savings account? Assign it to your house down payment. Every dollar and every share gets a specific job, so you always know what each one is working toward.
Watch each goal's real progress
See how the assets assigned to each goal are actually performing against what that goal needs. Your retirement holdings and your savings account are each measured on their own, and your goal page shows the full picture.
If your retirement investments outperform your plan (say 10% versus a planned 7%), EnvisionWorth recalculates and your required monthly contribution drops. If they fall behind, you'll see that too, along with what it would take to get back on track. The number you see is the current one, not the one from when you first set up the goal.
Test a decision before you make it
Use What-If to try a change before you commit to it. Adjust a contribution, move money between goals, or shift a timeline, and see what it does to your plan.
Move 40% from savings to stocks and see the effect on your timeline and projected balance right away. The graph updates as you change the numbers. You decide with the numbers in front of you, not a guess.
The result: you can see exactly what every asset is for and whether you are on track, so you stay on top of your whole plan and every decision stays yours to make with confidence.
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Prefer to see your number first? Get your Dream Number in the free planner, no account needed. New to juggling several goals at once? Read how to prioritize financial goals.