About Trajectory
Trajectory is a free personal finance simulator and calculator suite built to help you understand where your money goes — and where it could go. No jargon, no sign-up walls, no selling your data.
Why We Built This
Most financial tools online are either too simplistic (a single calculator with no context) or too complex (enterprise software disguised as a consumer product). We wanted something in between: powerful enough to model your actual financial life, but simple enough to use in 5 minutes.
Trajectory lets you plug in your real numbers — salary, taxes, rent, loans, savings — and see a month-by-month projection of your financial future. Change one variable and instantly see how it ripples through everything else.
What We Offer
Financial Simulator
Project your income, taxes, savings, investments, and loans month-by-month for years into the future. See how decisions today compound over time.
9 Free Calculators
Take-home pay, mortgage, car payment, debt payoff, rent vs. buy, 401(k) impact, savings growth, salary comparison, and self-employment tax — with state-specific versions for all 50 states.
50+ Blog Guides
Practical, in-depth articles on budgeting, taxes, retirement, debt, investing, and more — each with interactive calculators built in.
Our Principles
Free First
Every calculator and the core simulator are free, forever. No paywalls on the tools that matter.
Your Data, Your Control
We never sell your financial data. Free users keep scenarios locally. Pro scenarios are encrypted in transit and stored securely.
Accuracy Matters
50-state tax calculations, real amortization formulas, and actual FICA/Medicare brackets. No hand-waving.
No Upsell Tricks
Pro is $9.99 for life. No recurring fees unless you choose the $1.99/month plan. No hidden charges.
Ready to see your financial future?
It takes about 5 minutes to set up. No account required.
Open the Simulator