Investment Lag

Income deposited in Month M starts earning interest in Month M+1. This conservative approach helps avoid overestimating returns from contributions made late in a period.

Life Periods

Life periods are phases you can use to scope entries without setting exact dates:

• Pre-Retirement: Working years (before retirement age)
• Early Retirement: Transition phase (optional)
• Retirement: Retirement age through life expectancy

Entries tied to life periods automatically adjust when you change ages in Timeline settings.

Capital Buffer

The amount of savings remaining after accounting for all withdrawals and interest income. A larger buffer generally means more financial security.

Funding Gap

The difference between interest earned and withdrawals needed.

• Positive gap: You’re withdrawing more than interest → drawing down capital
• Zero or negative gap: Interest covers withdrawals → can be sustainable