Use Real Interest Rates

Always enter returns above inflation (real rate):

• If expecting 7% returns with 2% inflation → enter 5%
• If expecting 5% returns with 3% inflation → enter 2%

The app assumes you’re entering real rates so purchasing power remains constant.

Be Conservative

It’s better to be pleasantly surprised than disappointed:

• Reduce expected returns by 1–2% for safety margin
• Slightly overestimate expenses
• Plan for longer life expectancy
• Remember the 1-month investment lag (conservative modeling)

Don’t Forget Irregular Expenses

Add one-time or infrequent costs:

• Car replacements every 10 years
• Home repairs ($10,000 every 5 years)
• Major vacations
• Medical expenses

Use One-time or Yearly frequency entries for these.

Update Regularly

Review and adjust scenarios:

• Quarterly: after major life events (raise, job change, new expense)
• Annually: reassess assumptions and retirement plans
• As needed: adjust for market changes or goals