Gain Valuable Insights That Lead To Better Decisions.

"I manage a restaurant and love the freedom to travel. I started using SOP to see how much more travel I could afford. I love how much I've taught myself about my needs. You're video is right, organizing dreams can be both inspiring and sobering. I also introduced it to my sister & nephew to plan for college. Thank You!"

— Brynn, New Jersey

"Loved this experience....I just wanted to make sure we're saving enough but now we can't stop dreaming...Its so easy!!!.

Kate, South Carolina

"I'm a mom of three and homeschool two of them.  I find this software so fun to play with because its not limiting...Its a super good financial literacy tool for anybody trying to find a way to engage high-school kids and my one big kid (Husband) on why we save and how it pays off someday."

Christine, Virginia

Stop and Please Read!

StartingOutPlan is not a substitute for professional financial advice, nor do we sell financial products or offer investment advice. Our goal is to provide technology as an educational resources to help actively engage you in your own financial journey. Always consult with a qualified financial advisor before making significant financial decisions. 

img3 png

Starting a Career

  • Work / Life Balance: Explore how different career paths and job opportunities align with your personal goals and desired lifestyle.
  • Compare Employment Opportunities: Evaluate the financial implications of various employment choices, such as full-time, part-time, contract, or freelance work.
  • Continuing Education: Assess the costs and benefits of investing in further education, certifications, or skill programs to advance your career.
  • Compare Cost of Living: Analyze how the cost of living varies across different cities or regions and how it may impact your career decisions and financial well-being.

Starting a Family

  • Family Size Planning: Model the financial impact of having one, two, or more children, considering expenses like childcare, education, and housing.
  • ​Compare Child Care Options: Evaluate the costs and benefits of different childcare options, such as daycare, nannies, or one parent staying at home.
  • ​Education Scenario: Project the costs of various education paths for your children, such as public vs. private schools, and explore savings strategies to fund their future education.
  • ​Family Milestone Planning: Estimate the costs associated with significant family milestones, such as weddings, bar or bat mitzvahs, or quinceañeras, and create a savings plan to prepare for these events.
right-2.png

Starting a Business

right-2.png
  • Start up Costs: Define and prioritize your startup goals, such as revenue targets, market share, or customer acquisition.
  • ​Debt Management: Assess how business loans or startup costs may impact your personal debt obligations.
  • Contingency Planning: Model the financial impact of potential business setbacks, such as slow sales periods or unexpected expenses.
  • ​Exit Strategy: Consider the financial implications of different business exit strategies when its time get out.

Starting a Real Estate Empire

  • Rent vs. Buy: Compare the financial advantages and disadvantages of renting vs buying a home, considering your long-term goals, market conditions, and personal situation.
  • ​Upgrade your home: Evaluate the costs and benefits of upgrading your current home, such as renovations or additions.
  • ​Sell-it or Rent-it: Assess the financial implications of selling your current home or converting it into a rental property.
  • ​Owning Multiple Homes: Model the financial impact of owning multiple properties, such as vacation homes or investment properties.
right-2.png

Starting to Get Control

right-2.png
  • Eliminate Debt: Identify and prioritize paying off high-interest debts to regain financial stability and improve credit scores.
  • ​Retirement Planning: Evaluate current savings and create a plan to ensure sufficient income during retirement, including exploring options like catch-up contributions.
  • Healthcare Planning: Understand the costs and coverage options for healthcare, including Medicare, long-term care insurance, and out-of-pocket expenses.
  • ​Downsizing: Consider downsizing your home or lifestyle to reduce expenses and simplify your financial situation.

How it works!

Enter Data

Tell us what you want in life.  These are your Goals.  Then, input what you know about your finances, such as the value of current assets & debts along with best guesses for income and expenses in the future.  The result is your Current Financial Situation.

Play

Now, change the current situation any way you want.  Add and change goals,  or stress test your plan.  It's easy to add and manage Action Boxes, which give you full control to play and test ideas without affecting your Current Financial Situation.  

Compare

View Graphs and compare dozens of metics that will help you understand where you are today relative to where you want to be...all at a glance.  These include diagnostic ratio analysis for debt, guaranteed income, investments, income & more.

Ask for Help

If, and only If, you request it, you will be matched with a financial professional in our Network who will deliver good, fiduciary advice to your StartingOutPlan account with Actionable Steps.

Access & Apps

Purchase access to StartingOutPlan, and peruse the many supplemental add-on apps and services that can help boost your financial confidence.

Financial Literacy Stories

How much New Home can I afford?

Can we buy a 2nd home and Airbnb it?

What is the cost of our debt on us?

Should I stay home or use daycare?

Can I afford to go back to school?

Can I afford to help with my grandkids?

Can we open our dream business?

How do I live in the "Gig Economy"?

Could I Afford a Pay Cut to be Happier?

What if Something Happens to Me?

What if We Move to Another State?

Can We Retire Early To The Beach?