Financial Projection
Enter your income, expenses, savings, and cash to build a personalized projection of your financial future.
No account required
See the impact before you decide.
Create decisions, build a plan, and explore different paths until you find one that fits, so you can enjoy life while working toward your goals.
Try it nowHow it works
Take the guesswork out of major financial decisions.
01
Create your decision
Create a personalized decision for anything from buying a home to upgrading your car, and see its true cost and impact on your finances over time.
Buy a car
- Monthly cost
- $921/mo
- Down payment
- $6,000
- Planned
- Jul 2025
- Lifetime cost
- $64,800
Buy a house
- Monthly cost
- $3,576/mo
- Down payment
- 15%
- Planned
- Jul 2027
- Lifetime cost
- $1,368,360
02
Build a plan
Bring your decisions together into a plan and see your financial outlook, risk, and retirement readiness, so you know whether your path supports your goals.
03
Compare your future
See how your choices change your financial future by comparing your plan to where you are today, including the impact on your savings and long-term goals.
04
Explore better options
Adjust your decisions to see how different prices, timing, and spending levels could change your plan and help you find a better path.
Ways to make your plan work
At riskWhat's Included
Built to help you make better financial decisions.
Available now
Interactive Dashboard
See your current financial picture at a glance with key metrics, long-term projections, and an interactive timeline.
Decision Planning
Model major life decisions like buying a home, purchasing a vehicle, or changing jobs to see how they affect your finances.
Alternative Recommendations
Discover additional options and compare potential outcomes based on your goals and financial situation.
Coming soon
More Decisions
Explore more decisions and life events to see how they could shape your financial future.
Opportunity Cost Analysis
See what you could gain by investing, saving, or choosing a different path before making a major purchase.
Goal Planning
Set financial goals and see how different decisions affect your progress toward achieving them.
FAQ
Everything you need to know.
SmrtSpending focuses on smarter decision making — not just budgeting or retirement. Instead of tracking your past spending, our tool helps you visualize how today's financial decisions impact both short-term spending and long-term financial goals.