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Find Your RichRoad

Start with what your household actually receives and spends. Required fields need a number; enter 0 only when the amount is truly zero.

Assessment V4.1.0 · Take-home model 2.9.0 · USD monthly amounts unless stated otherwise

1. Household take-home income

Use income after taxes, payroll deductions, and any tax provision needed for self-employment or untaxed income. Do not include loans, savings withdrawals, transfers between accounts, or gross business revenue. We do not estimate your tax rate.

Monthly household take-home income *

Include all household sources. For variable earnings, choose a recurring amount you can conservatively plan around.

What does this monthly amount represent? *

Help me convert net paychecks to a monthly average

This helper annualizes one net paycheck stream. Biweekly means every two weeks; twice monthly means 24 payments per year. Extra-paycheck months make actual receipts uneven. Add other household sources separately before calculating.

Net paycheck amount

Pay frequency

Annual household gross income (before taxes; optional)

Reference only. The cash-flow model and current score use take-home income; the annual figure is not divided by 12 to create a spending budget.

I am entering household take-home income, with any required tax provision accounted for, not gross business revenue or borrowed money.

2. Monthly spending and existing commitments

Enter your current budget before hoped-for raises or spending cuts. Each amount belongs in one category. Required carried-debt payments are entered in section 3.

Monthly essential spending *

Include housing / mortgage, food, utilities, insurance, transport running costs and other necessities. Exclude carried non-mortgage debt payments, discretionary purchases, provisions entered below, and payroll deductions already taken out of net pay.

How will you reconcile essential spending? *

In the detailed mode, the categories must equal your total. They are a cross-check, never an additional deduction.

Monthly discretionary spending *

Dining out, entertainment, and other current optional purchases, including purchases paid in full on a credit card.

Monthly provision for irregular bills *

Average periodic insurance, repairs, annual fees and similar bills across months. Exclude amounts already in essentials. This earmarked provision is not emergency savings or extra available cash.

Existing monthly transfer to emergency reserves *

Only transfers from take-home pay into the liquid reserve balance entered below; exclude payroll deductions. The projection adds this transfer to reserves once.

Existing monthly transfer to other savings or investments *

Existing goals or investments outside emergency reserves, after payroll. Tracked as separate contributions with no assumed investment returns.

I reviewed my budget for overlap: mortgage payments appear in housing only; vehicle / carried-debt payments appear in debt only; current credit-card purchases appear in spending, not again as a full card bill; savings and payroll deductions are not subtracted twice.

This is your confirmation, not bank verification. If a statement mixes new purchases and carried balances, reconcile those portions before continuing.

3. Reserves, assets, and carried debt

Current liquid emergency reserves *

Do not include the separate money earmarked for irregular bills or committed purchases.

Other assets excluding primary home and emergency reserves *

Total carried non-mortgage debt *

Unpaid carried balances, not current purchases you will pay in full. Include vehicle loans here. Do not include the home mortgage already budgeted in housing.

Total required monthly payments on carried debt *

Required payments attributable to those carried balances. Do not enter the full credit-card bill if it also contains current purchases already budgeted as spending.

Individual debt accounts (required for a paid payoff projection)

The free estimate keeps the summary debt even if details are missing. For the paid Blueprint, balances and minimums must total the summary and every APR must be supplied. Blank APR is unknown; 0% is an explicit rate. Use nicknames, not account numbers.

4. Destination and planning context

Primary goal *

Age (optional)

Goal horizon in years (optional)

Retirement status / timing

Risk / change comfort

Hours per week available (optional)

Business experience

Age is optional context, not a penalty or an eligibility rule. Time horizon, retirement plans, available hours and stated preferences inform conditional instructions; no score is reduced because of age.

5. Optional conditional scenario

These are proposed changes, not present income or completed milestones. Leave them blank for a baseline-only plan. The baseline never includes them. Requested new transfers use only the cash left after current commitments; the plan identifies any amount it cannot fund.

Possible additional monthly take-home income

Possible monthly discretionary spending cut

Proposed extra monthly reserve contribution

Proposed extra monthly debt payment

Proposed new monthly goal-fund contribution

First month for these conditional changes (1-12)

Allocation order: requested extra reserves, then extra debt, then goal fund. Extra debt and goal transfers wait until the model's reserve floor is maintained. Unassigned cash is displayed separately; it is not silently added to a goal fund.

Email for a paid Blueprint (not required for the free score)

The free calculation stays in this tab. Your assessment and email are sent to RichRoads only when you choose checkout. After a paid purchase, RichRoads opens your private Customer Dashboard and provides a backup recovery key. When transactional email is enabled, you can also use a one-time secure sign-in link.

Calculate after completing all fields above. Any change requires recalculation before checkout. No bank connection is required.

Your RichRoad Score

This is a self-reported monthly planning estimate, not verified bank cash or a guarantee. Existing savings remain separate allocations. Irregular-bill provisions are earmarked for those bills. A positive remainder is not automatically safe to commit to a new project.

Your next 3 moves

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Get a clean Blueprint dashboard, your next three actions, a Month 1–12 decision roadmap, baseline and conditional projections, and expandable calculation details.

A paid purchase opens the Blueprint Vault with a 30-day private link, a purchase recovery key, and a print / save-PDF friendly Blueprint experience. Recovery also reopens a private 12-hour Action Center session so the customer does not need to enter the same key twice. Keep the recovery key private. The Customer Dashboard gives Blueprint customers one private home for reopening the original plan, seeing the current Blueprint-month focus, managing account access, and, when subscribed, comparing explicit check-ins with the original starting snapshot. The $29 Blueprint remains a static plan. RichRoads Pro is a separate recurring subscription for saved progress tracking, explicit financial check-ins, refreshed 12-month roadmaps after saved check-ins, and printable progress reports. Refreshed roadmaps preserve the original Blueprint and remain self-reported planning snapshots; neither product verifies balances or turns hypothetical gains into actual results.

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There Isn't One
Road to Wealth.

Your personalized path

Your Road in 3 Steps

Different Roads. One Destination.

Find Your RichRoad

Your next 3 moves

Your complete 12-month Blueprint

Simple Pricing

There Isn't OneRoad to Wealth.

Your personalized path

Your Road in 3 Steps

Different Roads. One Destination.

Find Your RichRoad

Your next 3 moves

Your complete 12-month Blueprint

Simple Pricing

There Isn't One
Road to Wealth.