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Assumptions

Last updated November 3, 2026

Assumptions holds the numbers that shape every projection in your plan: inflation, and where your stock and bond mix goes in retirement.

Inflation is 2.5% unless you change it. Your plan takes it out of each year's market return before anything compounds. "Why everything is in today's dollars" explains why that keeps every number in today's money.

Each account holds its own mix of stocks and bonds, which you set on the Accounts page. Assumptions shows your overall share in stocks across them, weighted by balance.

You also set one overall mix for retirement. It's 40% stocks unless you change it, and accounts start at 70% until you set them. Over the years you choose before retirement, every account moves toward that mix together. Each one cuts its stocks by the same share, so your bonds stay in the accounts that hold them. The mix is reached one year before you retire and stays there. It doesn't keep tapering with age, the way some target-date funds do.

A safe-income floor suggestion shows a stock and bond split that would cover the essential spending your savings pay for. It uses a simple bond-yield assumption, separate from the market history the rest of your plan uses. You can apply it with one click. It's a suggestion, not a rule.

Three settings here are previews you can't change yet: your own return assumptions, separate inflation rates for college and healthcare, and a cut to Social Security benefits. They're planned for Plus.