Step 1 of 8

Household & goals

Who this plan is for, and what you are working toward. Required fields are marked with * — everything else improves accuracy but can be skipped.

People

Tax filing status

Person 1 (you)

First name

Last name

Birth year

Profession

State of residence

Email optional

Only used if you ask us to send your report.

Person 2 (spouse / partner)

First name

Birth year

Profession

Children

Do you have children?

Goals & preferences defaults applied if blank

Retire early

Buy a home

Pay off debt

College for kids

Build wealth

Financial security

Your desired retirement age

Spouse's desired retirement age

Retirement spending (today's $/yr)

Default: current spending less mortgage & childcare.

Emergency fund target (months)

Default 3–6 based on stability & kids.

Target savings rate (% of gross)

College target per child ($)

Social Security claiming age

Life expectancy

The age to plan your money lasting until. Default 90.

Risk tolerance

How projections work: your report applies an age-banded glide path — 10% assumed growth in your 20s and 30s, 9% in your 40s, 6% in your 50s, then your risk selection above for age 60+. The conservative scenario uses 5% flat.

Step 2 of 8

Income, benefits & pensions

This drives income growth, retirement contributions, pension math, and Social Security. Account balances come later — this step is about your paycheck and employer benefits.

Employment

Person 1

Gross annual salary ($)

Annual bonus ($)

Expected annual raise (%)

Take-home pay per month ($) anchors budget

Employer retirement plan

Employer match (% of salary)

e.g., enter 4 for "100% of first 4%".

Does this job pay into Social Security?

Many teacher and government jobs do not.

Years worked paying into Social Security

Pension plan & tier, if any

Pension service start year

Mandatory pension contribution (%)

Expected pension benefit ($/mo) estimate ok

Health plan HSA-eligible (high-deductible)?

Health deductible & out-of-pocket max ($)

Sets the step-1 cash floor in your checklist.

Employer life insurance ($ or blank)

Employer long-term disability (% of income)

Person 2

Gross annual salary ($)

Annual bonus ($)

Expected annual raise (%)

Take-home pay per month ($)

Employer retirement plan

Employer match (% of salary)

Pays into Social Security?

Pension plan & tier, if any

Pension service start year

Mandatory pension contribution (%)

Expected pension benefit ($/mo)

Employer life insurance ($)

Employer LTD (% of income)

Other income optional

Rental income ($/mo, gross)

Rental expenses ($/mo)

Side business / 1099 ($/yr)

Other recurring income ($/mo)

Step 3 of 8

Paycheck & withholding

Copy straight from your most recent pay stub. With one stub per person we project full-year withholding against current tax brackets, estimate your refund or balance due, and tell you exactly how to adjust your W-4. Upload the stub instead if that is easier.

Upload a pay stub optional shortcut

Most recent pay stub

PDF, JPG or PNG · Max 10MB

🔒 Documents are sent directly to Anthropic's API for analysis and are not stored by FinancialCheq. Do not upload documents containing account numbers or passwords.

This pay period (from the stub)

Person 1

Pay frequency

Federal income tax withheld ($/paycheck)

State income tax withheld ($/paycheck)

Pre-tax retirement this period ($)

HSA contribution this period ($)

FSA contribution this period ($)

Pre-tax insurance premiums ($)

Other pre-tax deductions ($)

Parking, transit, legal, etc.

Person 2

Pay frequency

Federal income tax withheld ($/paycheck)

State income tax withheld ($/paycheck)

Pre-tax retirement this period ($)

HSA contribution this period ($)

Year-to-date (same stub) improves refund accuracy

Person 1

Gross pay YTD ($)

Federal tax withheld YTD ($)

State tax withheld YTD ($)

Person 2

Gross pay YTD ($)

Federal tax withheld YTD ($)

State tax withheld YTD ($)

Current W-4 on file optional

Person 1

Step 2 box checked (two jobs / working spouse)?

The most common cause of under-withholding for dual earners.

Step 3 dependent credit ($)

Step 4c extra withholding per paycheck ($)

Person 2

Step 2 box checked?

Step 4c extra withholding ($)

Other tax items (household)

Deductions

Expected bonus month optional

Bonuses are withheld at a flat 22% — often the refund/owed swing factor.

Estimated tax payments made this year ($)

Last year's refund (+) or amount owed (−) ($)

Great sanity check for this year's estimate.

Last year's total tax ($) from line 24

RSU vesting, stock sales, or K-1 expected?

Annual 529 contributions ($/yr)

Drives state 529 deductions where available.

Step 4 of 8

Every account

One row per account — checking, savings, 401(k)/403(b)/457, IRAs, HSA, 529s, brokerage, crypto. Balances and monthly contributions. Estimates are fine.

Assets

OwnerAccount typeBalance ($)Contribution ($/mo)Yield % (cash/HYSA only)

Yield % applies only to cash and emergency-fund accounts (your HYSA rate). It is disabled for investment accounts, whose growth is projected using the glide path.

Real estate optional

Home — estimated market value ($)

Zillow/Redfin estimate is fine.

Annual property tax ($)

Purchase year & price

Other real estate value ($)

Other real estate debt ($)

Anything else of value ($)

Business value, collectibles, etc.

Step 5 of 8

Every debt

One row per debt. For your mortgage, note how much of the payment is escrow (taxes and insurance) so we can separate principal and interest.

Debts

TypeBalance ($)Rate %Payment ($/mo)Yrs leftEscrow ($/mo)

Step 6 of 8

Monthly budget

Planned monthly amounts. Debt payments were captured on the last step and investment contributions on the Accounts step — this is your spending. Estimates are fine.

Housing & utilities

Rent ($/mo, if renting)

Utilities (electric, gas, water)

Internet / phones

Maintenance / cleaning

Transportation & food

Gas / tolls / parking

Car insurance / maintenance

Groceries

Restaurants / coffee

Lifestyle & other

Childcare / daycare

Dependent care FSA ($/mo)

Subscriptions / gym

Clothes / personal

Pets

Medical

Charity / gifts

Fun money (both people)

Miscellaneous

Step 7 of 8

Insurance & estate

Coverage outside your employer, and the estate basics that protect your family.

Life insurance (outside employer)

Person 1

Term life face amount ($)

Enter 0 if none — checked against ~10–12x income.

Monthly premium ($)

Policy end year

Person 2

Term life face amount ($)

Monthly premium ($)

Any whole / universal life? optional

Disability (outside employer)

Own-occupation disability policy?

Monthly benefit ($)

Estate basics

Wills in place?

Guardian named for minor children?

Beneficiaries reviewed on all accounts?

Powers of attorney (financial & healthcare)?

Trust in place?

Umbrella liability policy ($ or blank)

Step 8 of 8

Advanced (all optional)

Overrides for the model's default assumptions, your official Social Security estimate, and anything else we should know. Leave anything blank to accept defaults — they will be flagged in your report.

Social Security statement strongly recommended

Social Security statement

Free at ssa.gov/myaccount · PDF, JPG or PNG

Or enter your benefit at full retirement age ($/mo)

From ssa.gov — replaces our estimate and is more accurate.

Assumption overrides

Return — accumulation (%)

Return — retirement (%)

Inflation (%)

Home appreciation (%)

Healthcare inflation (%)

529 return (%)

Long-term care ($/yr × years)

Pension salary cap / formula notes

Anything else we should know

Your report takes about 30 seconds to generate — up to 90 if you uploaded documents. Your financial data is private and never shared with your employer.