Your Accounts¶
Add your financial accounts so FinPlan can model growth, taxes, and withdrawals correctly.
Command
Run /finplan:accounts to view, add, or update accounts at any time. See the command reference for details.
Account types¶
| Category | Types | Tax Treatment |
|---|---|---|
| Retirement | Traditional 401(k), Roth 401(k), Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA | Pre-tax or post-tax deferred |
| Health & Education | HSA, FSA, 529 Plan | Tax-advantaged |
| Taxable | Brokerage, Savings, Checking, Money Market, CD | Taxable |
| Other | I Bonds, Crypto, Real Estate, Mortgage | Varies |
What you need per account¶
- Account type — from the table above
- Current balance — your balance as of today
- Owner — individual, joint, or beneficiary
- Asset allocation — your mix of stocks, bonds, cash, crypto, real estate, and other as percentages that sum to 100. Optional for cash-only accounts (savings, checking, money market, CD, I Bonds, FSA, and the loan types), which default to 100% cash, and for real-estate accounts, which default to 100% real estate. Required for every other type.
Tip
Start with the accounts that matter most — your largest retirement account and primary savings. You can always add more later.
Employer match¶
If you have a 401(k) with an employer match, FinPlan can model that contribution as part of your projections. See Employer Match for details.