It can see everything on this site — budget, calendar, kids, net worth, retirement — and reads receipts from a photo. One shared thread for both of you.
What you own against what you owe. Values marked est. are my estimates — tap any number to replace it with the real one. Debt balances start at $0 until you fill them in from each lender.
Net worth
$0
Total assets
$0
Total debt
$0
Debt payments / mo
$0
from Monarch history
What you own value · type
What you owe balance · payment/mo · rate %
Rows flagged verify came from payment history, not statements. Once a balance is in, the flag clears.
Your PSPRS pension scenarios, the DROP, and the Nationwide 457 — one picture. Numbers from your PSPRS estimates; edit anything as they update.
Your plan at a glance DROP path
1 · Enter DROP
—
Pension locks at $0/mo and starts banking with 7.2% interest. You keep working and keep your paycheck.
2 · Leave the department
—
Walk away with the DROP lump of $0.
3 · Every month after
$0/mo
Paid for life, starting the month after you leave. Plus whatever you draw from the 457.
Try a different plan slide, compare, save
Enter DROP —
Years in DROP 5
Enter DROP
—
Leave dept.
—
Pension / mo for life
$0
DROP lump
$0
Boost your high-3 OT & leave sell-back before DROP
Extra pensionable pay per year $0
New high-3 average
$0
Pension / mo
$0
OT needed
—
Lifetime gain
$0
Tier 1 counts OT and (within limits) leave sold back in pensionable pay — confirm with PSPRS what your department reports. Only pay earned in the 36 months before your DROP date moves the number; extra pay earned after you enter DROP doesn't.
Your saved options tap one to make it the plan
DROP balance at exit
$0
Pension / month after DROP
$0
for life
457 projected at exit
$0
Walk-away total
$0
DROP + 457, day one
Retirement scenarios from PSPRS estimate
DROP — 5-year build set the start date; the rest follows
Pension deposited + interest
Nationwide 457 (deferred comp)
Projected to your DROP exit date at the growth rate above. Enter the balance from Nationwide and this fills in.
Pension received by age
Simple totals, no cost-of-living increases, before taxes. Salary earned while still working isn't counted here — DROP and the later dates include years of full pay on top of this.
Average monthly compensation
Tier 1: 50% at 20 years, +2.5%/yr to 62.5% at 25, up to 80% at 32. Scenario benefits above come straight from PSPRS; this is here for reference.
