## Household plan and assumptions
Your **household plan** holds the assumptions every projection uses: current age, target retirement age, planning horizon, filing status, and return/inflation settings. Edit them in the Planning area or via the **planning wizard**. Changing an assumption updates projections, Monte Carlo runs, and Roth schedules that read from the plan.
## Planning wizard
The **planning wizard** walks you through household demographics, retirement timing, income, and expenses step by step. It is the fastest way to get from an empty plan to one complete enough for projections and wellness scoring.
## Detailed income and expenses
Beyond a single spending number, you can itemize **detailed income** (salary, Social Security, pensions, rental) and **detailed expenses** (housing, healthcare, Medicare premiums, discretionary) with start/end ages. Detailed lines roll up into annual living expenses and flow into tax projections and Monte Carlo cash flows.
## Scenarios and what-if forks
A **scenario** is a fork of your baseline plan. Change retirement age, spending, Roth conversions, or withdrawal policy inside the fork and compare outcomes side by side—your baseline household plan stays untouched. Open **Scenarios** under Planning to create, edit, or delete forks.
## Applying optimizer results to a scenario
Tools like the Roth bracket optimizer produce proposed changes you can **apply as a patch** to a planning scenario. The patch edits only the scenario fork, so you can review the impact before adopting anything into your baseline.
## Planning horizon
The **planning horizon** is the final age your projections run to. Monte Carlo, withdrawal schedules, and tax timelines align to this horizon, so extending it can lower success probabilities while shortening it can raise them.
Educational content only—not personalized investment, tax, or legal advice.