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Retirement projections, forecasts and the health score. 4 answers.
It runs a month-by-month simulation of your accounts, income, taxes, and spending, then stress-tests it against 500 random market futures and every real market since 1928. It's a rigorous estimate — not a guarantee — and clearly labeled as such.
The success rate is the share of simulated market futures in which your money outlasts your plan. 90% means the plan survived 9 of 10 random histories. Use it to compare choices, not as a promise.
A single 0–100 score built from FIVE pillars — emergency fund, savings rate, debt load, net worth and budget adherence — each with a plain-English recommendation and a link to the screen that improves it.
Retirement pace is a sixth pillar that is not scored yet: it needs a birthday and an income to compare against, which you set in Settings → Profile. The screen says so where the score is shown.
The pillars are weighted by impact, so the fastest way up is whichever one is lowest. Everything is computed on your device from data already in the app.
Yes. Fin is grounded in your live data, so you can ask things like "will I make it to payday?", "how much can I safely spend?", "what are my subscriptions?", "did any go up?", "how am I doing?", and "am I balanced?" — and it answers from your forecast, detected subscriptions, health score, and allocation.
