Manual: Analysis

Analysis is where everything else - income, spending, holdings, debts - gets condensed into a verdict: five scored health measures, two resilience checks, and a set of stress tests to see how the plan holds up under pressure.

Planning settings

Two numbers drive every projection on this screen: retirement age (used for the wealth-multiple benchmark and the forecast chart, kept on this device only) and life expectancy (a saved account setting, shared with Cashflow and Investments). Open "Planning settings" at the top of the screen to adjust either - changes recompute every measure immediately.

The measure board

Five gauges, each expandable for the underlying numbers: Cash pool, Debt-to-income, Liquidity pool, Wealth multiple, and Assets at your life expectancy. Each carries a color (green/amber/red) and a badge naming where you stand. For what each one measures and why its range is set where it is, see Understanding your Insights scores.

A row shows "add accounts to unlock" or similar instead of a gauge when a measure doesn't have enough data yet - usually missing income streams, budget items, or a birth date on your profile.

Resilience

Below the main board, Flexibility and Inflation protection appear when there's enough budget data to compute them. See Resilience explained for what each one means.

Suggestion

A single highlighted line under the board points at whichever measure most needs attention right now - a starting point if you're not sure what to work on first, not an exhaustive list of everything worth fixing.

Scenarios

The bottom of the Analysis screen embeds Scenarios: your plan re-run under five conditions - the Baseline as configured, Lower returns, Higher inflation, an early market Crash, and a mid-career Crash - each showing how Assets at life expectancy moves under that stress. Use it to see not just where your plan stands today, but how much margin it has if things don't go as assumed.