Profile and settings

Sample data. Linking accounts and changing settings work once the app is connected; until then they show the sample's choices.

Linked accounts

Read-only. DDE can see balances and transactions; it can never move money. Unlink any account at any time, or enter balances by hand instead.

Cash and spending

Harbor Bank checking••4821 · Runs the household$35,858The scoreboard: the balance against your target, paydays and the pace.Linked · updated today 6:02 am

Harbor Rewards Visa••1190$3,001 this monthSpending, sorted into your categories. Paid in full each month, so no interest.Linked · updated today 6:02 am

Northline Mastercard••7730—Spending on this card isn't counted until it's linked. Spending, sorted into your categories.Not linked

Savings and investments

Keystone Brokerage••3307$620,000Market assets in the funded ratio.Linked · updated today 6:02 am

Pinecrest 401(k)employer plan$760,000Market assets, and proof the automatic contribution happens: $1,667 every paycheck, confirmed.Linked · updated today 6:02 am

Summit IRA••5512$340,000Market assets in the funded ratio.Linked · updated today 6:02 am

Summit HSA••5513$80,000Market assets, set against retirement healthcare.Linked · updated today 6:02 am

Loans

Harbor Bank mortgage••6620$220,000The debt panel: 3.1% fixed, 18 years left. A fixed rate is a hedge against inflation.Linked · updated today 6:02 am

Harbor Bank HELOC••6621$30,000The debt panel: 8.0% variable. Each point rates rise adds $300 a year.Linked · updated today 6:02 am

Contracts, entered by hand

Social Securityhousehold estimate$52,000 a yearFrom your SSA statements, uploaded Feb 2026. Starts at 67 and rises with CPI-W. Sets your personal rate and the floor.Entered by hand

Fixed income annuityGranite Life$12,000 a yearCarrier statement, Mar 2026. Starts at 63, fixed in dollars. Sets your personal rate.Entered by hand

Whole life cash valueGranite Life$150,000Carrier statement, Jun 2026. Sets your personal rate.Entered by hand

Add an account

CheckingRuns the household: the scoreboard against your target.
Credit cardSpending. Without every card, part of your spending is invisible.
Brokerage, 401(k), IRA, HSAMarket assets in the funded ratio, and proof the automatic contributions happen.
Mortgage or loanThe debt panel: fixed rates are a hedge, variable rates are exposure.
Annuity, pension, whole life, Social SecurityEntered by hand or read from a statement you upload. These set your personal rate.

Connects through the account aggregator your fiduciary's firm uses. Linking works once the aggregator is connected.

Household

Your nameYour spouse's name

Married or partnered, each of you rates what every spending category is worth, on your own; the app uses both sets of ratings to suggest where to save and where to spend more. Open your preferences

Ages: 55, retiring at 63; the plan runs to 95
Retirement spending: $95,000 essential and $40,000 discretionary a year, in today's dollarsIncludes $22,000 of healthcare

Your review

Planning fiduciary: Dana Whitfield, CFP® Illustrative · dana@example.com · (555) 010-0142
Last review: Aug 22, 2026
Next review: Aug 22, 2027, in 316 days

Reviews everyChecking target

The target is cash to run the household with a buffer, so checking never goes below zero. Changing it moves the lowest point ahead, not the shortfall or surplus.

Set by your fiduciary

You can see every assumption the plan uses and where it comes from. Your fiduciary changes them; Lifetime lets you try other values without changing the plan.

Inflation (CPI): 2.5% a yearCapital-market assumptions, mock vintage
Healthcare above CPI: +2.5 pointsDDE's medical-inflation default (spec 02)
Your personal rate: 4.24%Capital-weighted rate of your own contracts, recomputed each year (ADR-0001)
Comparison rate: 4.20%Treasury, and the fallback when there are no contracts
Funding status: Fully funded at 100% or more; on the edge from 90%; at risk below 90%Proposed thresholds
Suggested budgets: Half where you both don't care; a quarter less where one of you only wants it; the actual rate where you both can't live without it and it runs over

The two of you

Keep each person's ratings private until both of you have rated

Everything else is visible to both of you, and to your fiduciary.

Alerts

A category runs more than 10% over plan for the monthThe lowest point ahead drops below $5,000A summary every Sunday morningTwo weeks before each review

Your data

DDE 0.1.0 · computed 2026-10-11T05:00:00Z · personal RFR 4.24%Sample data: the mockup's illustrative household. Institutions are fictional; linking is not connected yet.