The planner is a "what if" calculator. You set the assumptions, and Strum shows how your capital could grow over the years ahead.
The planner is different from goals: a goal tracks progress toward a specific amount, while the planner models scenarios.
Open Financial goals → Planner.
What you can set
- Initial deposit.
- Regular deposit and how often you make it: monthly, quarterly, semi-annually, or annually.
- Regular deposit growth — so your deposits grow over the years. You can increase them in line with inflation.
- Planning period — how many years ahead to calculate.
- Expected return — set manually or taken from your portfolio's asset allocation.
- Risk profile — from very conservative to very aggressive, or your own asset allocation.
- Inflation rate and tax rate.
What the planner shows
- the projected portfolio value over time;
- pessimistic, expected, and optimistic scenarios;
- nominal and real value (adjusted for inflation);
- real value after tax;
- the cost of inaction — the difference between investing and simply putting money aside;
- the maximum possible portfolio drawdown for the chosen risk profile.
Retirement
A separate mode calculates your retirement: portfolio return, periodic spending, and the number of years in retirement.
Inflation and taxes
Tax rules depend on the country and the account type, so Strum calculates tax only at the rate you enter. Treat it as a guide, not a tax calculation.
Access
On the "Beginner" plan, the planner works in a limited form. The advanced planner, with risk metrics and scenarios, is available on the "Passive Investor" and "Active Investor" plans.