FlorinDash.
THE HOUSEHOLD FINANCIAL NOTEBOOKFlorinDash · No. 01

A place to work things out

Your money.
Your choices.
Your notebook.

Bring your budget, debts, investments and retirement plans into one place. Explore possibilities, then decide which changes belong in your plan.

From this month’s spending to your next chapter.

Explore the tools Try a worked example

The example uses fictional figures. No sign-in needed.

ALEX’S STARTING FIGURESAge 55

First, write it down.

One retirement question.
A worked example.

55YEARS OLD
Already saved
$500,000
Adding each year
$12,000
Retirement spending goal
$50,000 / year

Next: work out how the pieces fit.

Illustrative figures · spending in 2026 dollars

Four chapters. One household.

The tools for your
whole financial picture.

Start with the question in front of you. FlorinDash brings detailed calculators, projections and comparisons into the same notebook.

01 / HOME

Know where you stand.

Connect the household’s starting figures with everyday decisions.

  • Net worth, assets and debts in one overview.
  • Cash flow and budgeting: income, spending, take-home pay and payroll savings.
  • Household details and shared planning assumptions.

02 / DEBT

Find a path through debt.

See what different repayment choices could mean for your timeline.

  • Avalanche and snowball payoff strategies.
  • Extra payments, projected interest and payoff schedules.
  • Compare paying off a loan with investing the money.

03 / GROW

Give your savings a purpose.

Explore how your accounts and contributions could support future goals.

  • Investment accounts, holdings, assets and growth projections.
  • Contribution changes and their projected effect over time.
  • Education savings and other goals, with target dates and contribution needs.

04 / RETIRE

Work through life after work.

Bring income, spending and your portfolio into a retirement timeline.

  • Retirement ages, financial independence and household projections.
  • Pensions, Social Security claiming ages and other income sources.
  • Tax estimates, Roth conversion strategies and withdrawal approaches.
  • Healthcare assumptions, life events, market uncertainty and portfolio stress tests.

Detailed inputs, charts and yearly figures help you examine the assumptions behind each estimate.

Room to explore. A deliberate way to save.

Try a possibility.
Keep what you choose.

A different retirement age. An extra loan payment. More toward a savings goal. You decide when an experiment becomes part of your plan.

  1. PENCIL

    Work on a possibility.

    Stage financial edits in a working copy. Planning projections reflect those changes while Home totals stay with your saved plan. Erase discards the Pencil edits.

  2. COMPARE

    See the tradeoffs.

    Run what-ifs, compare big decisions and save named alternatives. In the retirement portfolio view, compare your saved plan, working copy and current experiment.

  3. INK

    Choose what to keep.

    Review the exact changes before saving them together. Ink adds a dated journal entry so you can return to the decisions you made.

Keep the reasoning beside the numbers.

Add optional contextual notes and flags beside figures or within a chapter. Edit a note as your thinking changes, and return to your Inked journal from Home.

Pencil lasts for the current session and is discarded on reload or sign-out. Ink saves locally; cloud backup has a separate status. Alternatives use your current figures with a different set of assumptions.

Open your financial notebook
WORKED EXAMPLE / A RETIREMENT DATEMEET ALEX, AGE 55

01 The starting point

The pieces are there.
Let’s put them together.

Alex is 55, with savings, a pension on the horizon, and a life after work to think about. Could Alex stop working at 60? This example brings savings and future income together to explore that question.

FlorinDash brings those figures into one plan, so there’s something concrete to examine.

ALEX’S RETIREMENT INCOMEExample inputs
60

A pension begins

A hypothetical amount, entered for this example.

$36,000per year, before tax

67

Social Security follows

An example benefit, rising with inflation.

$24,000per year in 2026 dollars

Savings fill the gaps

The plan estimates the withdrawals needed along the way.

The pension starts at the retirement age selected below. These amounts do not establish benefit eligibility.

02 A different possibility

What if Alex works
two more years?

More time to save. Fewer years to fund.
Change the retirement age and see
what that does to this example.

WORKSHEET 02 / A retirement dateALEX’S FICTIONAL PLAN

Compare a retirement date

Alex's retirement age

Projected portfolio at retirement

Loading example…

Calculated with FlorinDash’s projection engine

Projected spending through age 90Calculating…Under the assumptions below
How the portfolio could changeFuture dollars · fixed-return example
Alex’s projected portfolioEnable JavaScript to calculate the sample chart. A table of the same figures is provided below.
Portfolio balanceIllustrative projection, not a probability of success
View the yearly figures
Projected portfolio at each age, in future dollars
AgePortfolio

This is a limited interactive example, not your financial plan. Nothing you change here is saved.

03 A clearer perspective

The answer starts
to take shape.

In this example, both retirement dates cover Alex’s modeled spending through age 90. Working until 62 leaves a larger projected portfolio at retirement.

That gives Alex a tradeoff to consider: more time away from work, or more financial room. The assumptions still deserve a closer look.

How FlorinDash calculates the estimates

Keep the workings with the answer

Every story has assumptions.
Here are Alex’s.

Money going in and out

Alex starts at 55 with $500,000 in a Roth IRA and $100,000 annual gross pay. Annual brokerage savings start at $12,000 in 2026 dollars and rise with inflation while working. Retirement spending starts at $50,000 a year in 2026 dollars and rises with inflation.

Pension and Social Security

The hypothetical $36,000 annual gross pension begins at the selected retirement age and has no cost-of-living adjustment. The Social Security example is $24,000 a year in 2026 dollars, starts at 67, and rises with inflation. Use verified statements and benefit eligibility information for your own plan.

Returns, inflation, and taxes

The example uses a fixed 5% nominal annual investment return, 2.5% inflation, a representative 22% ordinary tax rate and 15% capital-gains rate. It projects through age 90. Portfolio values are future dollars and are not adjusted for inflation. Actual returns vary, and the order of good and bad market years matters.

What this example leaves out

State and local taxes, Medicare premiums and IRMAA are excluded. Alex has no modeled debt or separate education goal. Healthcare, spending changes, benefit eligibility and individual tax circumstances need separate review. FlorinDash provides planning estimates, not financial advice or a guarantee.

There’s room for your story, too

Your numbers.
Your next chapter.

Work through a budget, a debt payoff date, a savings goal
or a retirement decision. Keep the reasoning with your plan.

Explore Alex’s example

FlorinDash is in free beta. New-account access is being prepared.
Already have an account? Sign in.