Debt & Planning
WorthSync includes a Debt Center, Goals, and a consolidated Planning hub.
Debt Center
The Debt Center aggregates your liability accounts and simulates how fast you could pay them off.
- Strategies. Compare avalanche (highest interest first) and snowball (smallest balance first) side-by-side in a visual chart. The simulation uses real rollover math — once a debt is cleared, its payment rolls into the next, accelerating your path to zero.
- Extra budget. Tell WorthSync how much extra you can put toward debt each month and see how the payoff date and total interest change.
- 0% promo tranches. Model promotional-rate balances precisely: each tranche can have its own balance, promo APR, promo end date, and the rate it reverts to afterward. This matters for balance-transfer cards where part of the balance is at 0% and part isn’t.
- Recommended minimum payments. WorthSync infers or uses your stored minimum payments to keep simulations realistic.
To get the most accurate results, fill in each liability’s APR, minimum payment, and principal on the account.
Emergency Fund
Before the long-term planners, the Emergency Fund page answers a shorter question: if income stopped, how long could you keep going?
- Enter your Required monthly outflow — the essentials your reserve has to cover: required housing, food, insurance, utilities, transportation, and minimum debt payments. Leave out discretionary spending and investment contributions.
- Choose Save essentials.
WorthSync then compares that figure against the money you actually track:
| Card | What it tells you |
|---|---|
| Cash runway | How many months your cash alone would cover. |
| 3-month cash target | The cash you’d need for three months, and how much is still missing. |
| 6-month cash target | The same for six months. |
Below that, Coverage layers separates your cash reserve — what you can use immediately — from your broader liquid backup, which adds taxable investments that are available but may fluctuate or need to be sold. Retirement accounts and property are excluded from both on purpose.
Which accounts land in which layer comes from each account’s liquidity label. If a total looks wrong, use Review liquidity labels to open Accounts and change the Liquidity setting on the account in question — see Accounts & Snapshots.
Your monthly essentials figure is shared with the Planning hub, and your runway also appears as a card on the dashboard.
Goals
A goal is a target you’re working toward, tracked against your real balances. Goals live under Settings → Goals & Notifications.
Each goal has a name, a target amount, a target date, and a type:
| Type | Measured against |
|---|---|
| Net worth | Your net worth. |
| Asset target | Your total assets — or just the account or category you pick. |
| Debt payoff | How far the balance has fallen from where it started. |
| Savings | Your deposits, minus withdrawals. |
What a goal applies to
Applies To narrows what the goal watches. It defaults to Everything (All liabilities for a debt payoff goal), and you can point it at a single category or a single account instead — so “$50,000 in my brokerage” tracks that account rather than your whole portfolio.
Net worth goals have no Applies To: net worth is the whole picture by definition.
When you see an amount instead of a percentage
A debt payoff goal measures the drop from where the balance started, so it needs a starting balance to measure from. Across All liabilities, or on an account with only one balance recorded so far, there’s nothing to measure the drop against — so the goal shows $X so far and no progress bar. Point the goal at one debt with some history and the percentage appears.
Sharing and plan limits
| Solo (Free) | Household | Vault | |
|---|---|---|---|
| Active goals | One | Several | Several |
| Share a goal with your household | — | ✅ | ✅ |
Shared goals appear for everyone in your household — see Households & Sharing.
Planning hub
The Planning screen brings three forward-looking tools together. They build on your real balance history rather than guesses.
Net-worth projection
Set a target amount, a monthly contribution, an assumed annual return, and a target date to project your net worth forward and see whether you’re on track.
FIRE calculator
Estimate your path to Financial Independence / Retire Early: annual expenses, a safe withdrawal rate, your current and target ages, and assumed returns.
Retirement income planner
A more detailed retirement model including Social Security claiming ages (62 / Full Retirement Age / 70), pensions, cost-of-living adjustments, longevity, and monthly spending — with optional spouse/partner modeling for couples.
Shared assumptions
The assumptions drawer holds the inputs every lens shares — including your age, your savings figures, and a shortcut to Emergency fund for setting monthly essentials. It’s also where Show percentile card lives, which controls the net-worth percentile card on your dashboard.
Plan availability
| Tool | Minimum plan |
|---|---|
| Debt Center | Solo (Free) |
| Emergency Fund | Solo (Free) |
| Goals (one active) | Solo (Free) |
| Multiple goals, shared goals | Household |
| Net-worth projection | Solo (Free) |
| FIRE calculator | Household |
| Retirement income planner (full) | Vault |
Your data is always readable. Even if your plan changes, you can still view your saved planning data — editing the higher-tier planners is what’s gated. See Plans & Billing.