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How LongSpan uses what you tell it, step by step.
Setting up your plan
- Who's in your planHow your birth date, filing status, state, partner and kids shape your plan.
- Your incomeHow your pay, raises, business income, stock and Social Security are counted.
- Your expensesWhat to include, what to leave out and how YNAB fits in.
- Your accountsLinked and manual accounts, how each is invested, the market return, fees, contributions and cost basis.
- Property and businessHow your home, other property and a share of a business are counted.
- Retirement and assumptionsRetirement age and spending, cash, moves, inflation, tax and Roth conversions.
- How LongSpan chooses your default ratesThe long-term rates every plan starts from, their sources, the lifetime mix and how an account earns.
Using LongSpan
- This yearWhat one year of your plan holds: money in, money out, accounts and tax.
- Cash flowIncome, spending and what is left to invest, year by year.
- TaxesHow LongSpan works out federal, state and payroll tax in each year.
- Net worthWhat each part of your net worth counts, and which years the table shows.
- Equity grantsHow your stock and options are counted and taxed in your plan.
- ProgressHow your balances and your plan are tracking against a baseline you saved.
- Market rangeHow your plan holds up across 500 sequences of past market years.
- Settings and your partnerPlanning together, your subscription, and deleting your account.
- Life eventsWhat each life event does to your plan, from buying a house to a downturn.
- Use LongSpan from your assistantConnect Claude, ChatGPT or another assistant, and choose what it can do.