Loading Hopseed…

Hopseed setup complete

Great—you’ve added your first account.

Continue adding accounts to build a more complete view of your finances. Use Hopseed’s other tabs to explore possible future scenarios, clarify where you want to be, and understand the inputs and tradeoffs that may affect your path.

For educational planning only

Hopseed is an educational planning tool—not a financial, investment, legal, or tax adviser. It does not provide personalized advice or guarantee outcomes.

Home

Financial snapshot

Information

How to use this website

Use these recommendations to keep your financial picture accurate, useful, and easy to maintain over time.

Best practice: Start by building out your Accounts page first, then save a snapshot, then move into Budget and Projection for planning.

Start with Accounts

  • Add every asset, fund, and liability you want included in your net worth.
  • Choose the correct account type for each account so projections and charts are more accurate.
  • Keep liabilities in the liability sections so net worth is calculated correctly.

Save snapshots regularly

  • Fill in the New Account Values column, then click Save Snapshot to preserve a new checkpoint without changing earlier snapshots.
  • Use Dashboard history to compare snapshots and delete accidental entries.
  • Save snapshots on a consistent schedule, such as monthly or each paycheck cycle.

Use Budget for cash flow

  • Enter post-tax income, fixed expenses, and monthly allocations.
  • Use Leftover Money to see whether your budget has extra cushion or is over-allocated.
  • Review allocations when your income, rent, debt payment, or savings goals change.

Make Projection realistic

  • Set your current age and target age to model different future outcomes.
  • Set recurring contributions from Accounts > Regular investing plan, then use Projection to see their long-term impact.
  • Review return, interest, and payoff assumptions for each individual account.

Use planning tools

  • Use Percentile to benchmark net worth against age-based household ranges.
  • Use Car to estimate affordability before buying or financing a vehicle.
  • Use Notes to track stock ideas, research, reminders, and questions to revisit later.

Protect your data

  • This version stores information locally in the browser, so use the same browser/device for continuity.
  • Export your snapshot CSV or Excel file periodically as a backup.
  • Avoid entering sensitive login credentials or account numbers into notes or account names.

Net Worth

$0

No history yet

Update your net worth by entering your latest balances in .

Total Assets $0
Total Liabilities $0
Since Last Snapshot — Add another snapshot to see movement.

Target Progress

Set your net worth target

Set a target and due date, then track your progress and the monthly pace needed.

On track
Due date
Choose a month and year without clicking through the calendar.
0% Set a target to begin.

Add a target date to see the pace required.

Milestone Alert

Celebrate the next achievement

Choose a financial milestone and tell Hopseed what you want to remember when you reach it.

Set reminder

Set a milestone and Hopseed will check it each time you save a new snapshot.

Retirement Goal

See whether your projection reaches your retirement number

Set a target amount and retirement age. Hopseed compares that goal with your current net worth and your account-based projection.

Set goal
Uses your existing Projection plan

Current age, projection horizon, and inflation come from ; account balances, returns, and recurring contributions come from Accounts.

Current net worth $0 Enter a retirement goal to measure the distance.
Projected at retirement $0 Based on your Projection assumptions.
Projected gap — Set a goal amount to compare.
Current progress0%
Projected progress at retirement0%

Asset Breakdown

Where your money is held

0 snapshots

Allocation

Asset mix

Assets

Net Worth Over Time

Growth history

Liabilities

Debt summary

Accounts

Accounts & net worth tracking

Keep your assets and liabilities organized, save financial snapshots, and manage the assumptions that shape your long-term projections.

  • Track assets, liabilities & net worth
  • Save snapshots to measure progress
  • Set account return & interest assumptions
  • Plan recurring account contributions
New Snapshot

Fill in all of the new account values, then at the bottom click "Save Snapshot" to update your net worth.

Budget

Monthly budget & fund distribution

Build out your month, track recurring expenses, and put the leftover money to work across the goals that matter most.

  • Track expenses & subscriptions
  • Calculate leftover monthly cash instantly
  • Set target fund distributions
  • Compare planned vs. actual investments
Monthly take-home pay
$0.00
Your starting monthly cash flow
Fixed expenses
$0.00
0% of income
Savings target
$0.00
Income less expenses and spend goal
Available to invest
$0.00
Account balance less expenses

Expenses

Expenses & Subscriptions

Set monthly income, a flexible-spending guardrail, and recurring monthly expense or subscription items.

Monthly expenses and subscriptions
Monthly expense & subscription totals $0.00
Savings goal
Income after expenses$0.00
Monthly Spend Goal$0.00
Excess cash goal$0.00
Income after expenses − Monthly Spend Goal = Excess cash goal
Expenses Flexible spend Savings goal

Investments

Fund distributions

Start with account cash, subtract expenses, then compare target and actual investments.

About Fund distributions

Fund distributions help you plan how the money left in your checking account after expenses could be divided among savings and investment accounts.

Set target dollar amounts for the accounts in your plan and Hopseed will show the corresponding target percentages. Enter actual end-of-month contributions to compare what you planned with what you actually invested or saved.

This section is a planning tool only. It does not transfer money or change the balances in your Accounts tab.
About Budget targets

When an account has a recurring contribution in Accounts → Regular investing plan, its Target value here is pulled in automatically. Annual and percentage-of-salary contributions are converted to a monthly amount for this monthly budget.

You can still edit any Target value in Budget to test a different monthly plan. That creates a Budget-only value and does not change the contribution saved in Accounts.
Expenses
Leftover money
$0.00
Invested
$0

Actual investment mix

The chart updates as you enter end-of-month contributions.

Investment plan
AccountTarget %Target $Actual $Variance
Target total
0%
Target dollars
$0.00
Actually invested
$0.00
Remaining checking account value
$0.00

Planning note: Changes to investment targets or actual amounts made here in Budget stay in this plan and do not update balances, returns, or contribution settings in Accounts.

Percentile

Net worth percentile & benchmarks

Compare your current net worth with age-based U.S. household benchmarks and see what it could take to move into higher percentile ranges.

  • Estimate your percentile by age
  • Compare against U.S. household benchmarks
  • Review age-bracket breakpoints
  • Track progress toward higher ranges

Benchmark

Net worth percentile calculator

Compare a household net worth against U.S. households in the same age bracket.

Estimate

Rank

Where you stand

0th—99th+

Enter an age and net worth to calculate your estimated percentile.

Reference points

Age bracket breakpoints

Use the table to see the approximate net worth needed for common percentile milestones in current dollars.

Data note: Percentile results use household-level age-bracket benchmarks derived from the Federal Reserve’s 2022 Survey of Consumer Finances, including an added 95th-percentile anchor for better upper-tail interpolation. Benchmarks are inflation-adjusted from 2022 dollars to July 2026 dollars using CPI-U. Survey sampling can still create meaningful uncertainty, especially at high percentiles, so the displayed decimal rank is an estimate rather than an exact census ranking.

Projection

Future net worth & account projections

Model how your current balances, recurring contributions, return assumptions, inflation, and account plans could shape your long-term financial trajectory.

  • Project net worth by age
  • Include your Accounts investing plan
  • Review individual account growth
  • Compare future & inflation-adjusted values

Milestones

Future value

A horizontal summary of your projected outcome based on account-specific asset returns and liability interest assumptions.

Projection window 10 years Change the target age to instantly see projected net worth at that age.

Forecast

Projected net worth

Account projections

Individual account projection

Choose an account to review its projected value. Return and interest assumptions are managed from Accounts > Rates & returns.

Account-based

Settings

Preferences, account & data controls

Manage your Hopseed account, planning defaults, appearance, exports, and data controls from one place.

  • Manage login & password
  • Update goals, birthday & currency
  • Switch Light / Dark Mode
  • Export or delete your Hopseed data

Preferences

Your Hopseed setup

Adjust the defaults and controls that shape your account experience and planning tools.

Target due date
Build note: The app mirrors the spreadsheet structure: assets, designated funds, non-current assets, liabilities, budget distributions, money spent, net worth goals, and projected net worth. New signed-in users start with a blank profile; demo mode uses generic sample data.

Delete all Hopseed data?

All data will be permanently deleted.

This includes your accounts, snapshots, budget, spending, notes, settings, target values, and saved Hopseed profile data. This cannot be undone.

Add snapshot

Save the values entered in the New Account Values column as a dated checkpoint. Earlier snapshots remain unchanged unless you edit them directly from the Accounts spreadsheet.

Add account group

Create a new account group on the Accounts page, then add individual accounts underneath it.

Category

Category color

Choose the accent color for this category throughout Hopseed.

Add Account

Remove account?

Remove this account from the current account list? Saved snapshots will keep its historical values.

Permanently delete account?

This will permanently delete the account and remove its values from every saved snapshot. Historical net worth totals may change. This cannot be undone.

Remove category?

Remove this account group from the current account list? Saved snapshots will keep its historical values.

Remove snapshot?

Remove this snapshot from history? You can use Undo right after deleting.

Edit account

Update this account or remove it from your current balances.

Edit snapshot

View this snapshot’s scorecard, change its date, or remove the saved column.

Snapshot Date

Read-only overview

Current Account Values

See all of your current account balances in one place. Unsaved New Account Values are not included until you save a snapshot.

Read-only overview

Current Monthly Account Contributions

See every recurring contribution in your Accounts plan, converted to a monthly equivalent so you can understand the total used by Projection and Car.

Snapshot scorecard

Financial Scorecard

A read-only snapshot of your financial progress.

Milestone center

Reminders & Achievements

See what Hopseed is watching now and revisit the financial milestones you have already reached.

Reminder

Current milestone

History

Achievements

0 achievements

Delete milestone?

Delete this milestone? This cannot be undone.

Milestone reached

You hit your goal.

A saved snapshot reached one of your milestone reminders.

Net worth $0 Target reached.
Your reminder Celebrate this achievement.
Close this achievement when you’re ready to view your scorecard.
Our Mission

To empower people to take control of their financial future by making it simple to understand where they stand, plan where they’re going, and make smarter decisions with their money.