Financial entries are the building blocks of your simulation:

• Contributions add money to savings
• Withdrawals take money from savings

In the data model, both are represented the same way:

• Contribution = an entry with type: income
• Withdrawal = an entry with type: expense

Amounts are always positive; the type determines whether the amount is added or subtracted.

Frequency Options Explained

One-Time

• Occurs once on a specific date
• Use for: Home purchase, inheritance, large medical expense
• Example: $100,000 down payment on January 1, 2030

Monthly

• Occurs every month
• Use for: Salary savings, rent, mortgage, living expenses
• Example: $1,200 monthly retirement contribution

Quarterly

• Occurs at the end of each calendar quarter (March, June, September, December)
• Use for: Bonuses, quarterly dividends, insurance payments
• Example: $3,000 quarterly bonus

Yearly

• Occurs once per year on a month you specify
• Use for: Annual vacation, property taxes, insurance premiums
• Example: $5,000 annual vacation in July

Life Period Scoping

Instead of setting specific dates, you can tie entries to life periods. Entries tied to life periods automatically adjust when you change ages in the Timeline settings.

Pre-Retirement

• From simulation start → retirement age
• Use for: Salary savings, career expenses

Early Retirement (Optional)

• From early retirement age → full retirement age
• Use for: Part-time income, reduced expenses during transition

Retirement

• From retirement age → life expectancy
• Use for: Living expenses, hobbies, healthcare

Example: A monthly contribution of $2,000 with life period “Pre-Retirement” will automatically start at your start year and stop at your retirement age.

Custom Date Ranges

Override life periods when you need specific dates.

Example: Mortgage Payment

• Amount: $2,500/month
• Start Date: January 2026
• End Date: January 2046 (20-year mortgage)

Automation (MCP API)

When calling the MCP simulate tool, you provide these entries in financialEntries using the same rules:

• Use type: "income" for contributions/deposits.
• Use type: "expense" for withdrawals/spending.
• Use positive amounts (no negative numbers).