See what a big decision actually does to your money.

Buying a home, having a kid, changing careers — Compoundfork runs each one against your real numbers and shows exactly what it costs or gains you, instead of a generic hypothetical. Four quick questions get a real chart on screen fast; fine-tune every number after to match your actual life.


Roughly how old are you?
Roughly what lands in your account, net, per month?
Where do you live?
Any kids in the picture?
STEP 1: YOUR ACTUAL NUMBERS (US + CANADA)

Build your financial picture, not a template of one.

This is the foundation everything else uses — once it's filled in, you can model real decisions (a home, a kid, a career move) against these actual numbers instead of a generic guess. Add your own assets, debts, income, and expenses. Account types cover both the U.S. and Canada — TFSA, FHSA, RRSP alongside 401(k) and IRA. Link a liability to the asset it belongs to (a mortgage to a house, a loan to a car) to see real equity, not two disconnected piles of numbers.

This is a joint household — tag who owns what
Total assets
$0
Total liabilities
$0
Net worth
$0
Disposable income / mo
$0

Assets

$0

Cash, savings, registered accounts, investments, property, vehicles. Categories tagged home-eligible can typically be tapped for a first-home down payment (FHSA and TFSA in Canada, RRSP via the Home Buyers' Plan, Roth IRA in the U.S. up to its lifetime limit) — that logic isn't wired up yet, this just flags which of your assets qualify for later.

NameCategoryValueGrowth %/yr

Liquid vs. fixed vs. restricted

Not all net worth is equally usable. Liquid means sellable in days without penalty (cash, TFSA, brokerage). Restricted means it's yours but locked or capped by rules (RRSP, 401(k), FHSA). Fixed means it's real but slow to convert to cash (a house, a car).

Liabilities

$0

Mortgage, student loans, credit cards, auto loans, HELOC — anything you owe. Link one to the asset it corresponds to (a mortgage to your house, a loan to your car) to see real equity per item below.

NameCategoryLinked assetBalanceInterest %

Income

$0 / mo

Salary, freelance, side income — enter what actually hits your account (net, after tax), at whatever cadence you're paid. No tax-rate guessing.

SourceFrequencyNet amount

Expenses

$0 / mo

Pre-filled with a standard monthly-expense breakdown so you have something to edit instead of a blank page — delete rows that don't apply, add ones that do.

NameCategoryAmount / mo
What "disposable income" means here: your total net income (what actually lands in your account), minus every monthly expense listed below. It's what's actually left over.

Model a decision

These read your real numbers above as the starting point — your actual disposable income, your actual home-eligible assets. Turn any on to see it reflected in the projection below; combine as many as you want.

Buy a home

Checks the down payment against what you actually have in home-eligible assets.
Off — not counted below

Have a child

Childcare cost varies enormously by region and arrangement — type your own if you know it, or use a preset to start.
Off — not counted below

Career move

A one-time change to your income when it happens, plus a new ongoing raise rate after. Applied to your first income row above.
Off — not counted below

Go back to school

Upfront cost and lost time now, for a possible income bump later. Doesn't always pay off — field matters more than the credential.
Off — not counted below

Relocate

A cheaper city can stretch the same income further; a move for a role usually raises both income and cost.
Off — not counted below

20-year projection

Starts from your real net worth and real monthly savings rate today. The band spans a weak, average, and strong long-run market scenario — not one fake-precise number.

Show in today's purchasing power
Baseline — no decisions applied
Expenses grow with inflation every year — a $1,450 rent today isn't $1,450 in year 15. When "today's purchasing power" is on, the chart deflates future dollars back to what they'd buy right now, so the number means something; turn it off to see raw future dollars instead. Returns still span 4% / 7% / 10% scenarios.

Share your results

Generates a plain image from your projection above — nothing is uploaded anywhere, it's drawn locally and downloaded.

What your numbers suggest

Plain rules run against your actual data above — not AI guessing, just math anyone could check by hand. Each one shows what it's reacting to.