MoneyFormula App

YES - MoneyFormula lets you pick the accounts you want to include on your spending reports, and then as you allocate spending categories to transactions (which the AutoMatcher will automatically do for you) they are all grouped up across all the accounts as totals under the spending parent category and subcategories.

For example, if you have five Coles transactions on your credit card and three Woolworth transactions straight out of your transaction account, when you assign them a category of "Home - Groceries" then all eight transactions will be totalled up together.

Therefore by simply assigning categories to transactions across all your spending accounts, you automatically get totals across all your spending making it really easy to see your spending habits.

YES - MoneyFormula supports household bank sync for couples, partners and families. Normally only one person needs to create a bank sync connection. However if you have individual accounts via different bank logins and you want to manage them in MoneyFormula, include them in a combined household budget, and have an overall net worth position, then you simply set up two bank sync connections to the same bank.

For example, if you and your partner are with the Commonwealth Bank (CBA) then you could connect first via Open Banking with your credentials and pick your bank accounts (and any joint accounts). Then you select the MoneyFormula "Connect Another Person" option and link to CBA again, this time your partner uses their credentials (and just picks their accounts).

If you are already using MoneyFormula with a single bank sync connection, adding a second bank sync connection for your partner is straightforward and will not affect your existing setup or data. Each connection can be given a personalised name, for example 'Sarah' and 'James', making it easy to see at a glance whose accounts are whose within the MoneyFormula Bank Sync screen.

All the synced accounts from both Open Banking connections will then be available for you in MoneyFormula and they will all be kept up to date automatically as new transactions become available. You can connect multiple times to any of the 120+ Australian Banks available via Open Banking.

From a security point of view, each Open Banking connection uses the account holder's own bank credentials directly with their bank. MoneyFormula never sees or stores your banking password.

YES - MoneyFormula has an income and cash flow report that shows you month-by-month your last 12 months of income compared to actual spending, with the difference between them shown as your cash flow. The results are charted so it is really easy to see if your cash flow is staying positive (spending less than earned) or negative (spending more than earned)

You can expand each month to see the income amounts you received, and importantly the spending that happened. The spending is broken down into parent category total amounts so you get a clear picture of where your money is going. And for each month it lists your cash flow position.

As you tidy up your budget and review your spending the idea is to keep your cash flow positive, to keep you out of debt or having to dip into your emergency fund. The report is also great for highlighting bad months, for example if all your bills fall in a particular month, you can plan for so that you have the cash available.

YES - When you assign spending categories to transactions across all your different accounts, they are totalled up together. You can then choose if you want your totals for the last month, or maybe for the last three months, or even the last 12 months and it will instantly show you the totals.

For example, if you have ten transactions for Coles in May, and another six transactions for Coles in April and another five transactions for Coles in March, you could simply give them all the spending category "Daily - Groceries" and then if you can instantly see the total for the three months.

As well as the total Coles spending over the three months, you can select Weekly and MoneyFormula will instantly show you your weekly Coles spending - which can be super handy if you are on a weekly wage so you know what you need on average each week.

Or if you are paid Fortnightly you can easily get fortnightly averages across all your spending categories, from 1, 2, 3, 6 or the last 12 months of transactions providing you with everything you need to plan and budget your expenses.

YES - One of the great things about MoneyFormula is it lets you set up a budget to help you plan for future spending, review your actual transactions to work out your past spending, and then simply compare to the two to see where you are on track and where you are overspending.

The way this works is the budget section lets you enter your income and expenses and gives you an instant summary of where your money is going. It is quick, easy and a 'best guess' at what you think is happening, as well as a plan to help you move forward. For example, I think I will spend $100 on Groceries each week (Coles, Woolworths and Aldi)

The spending review looks then at your recent transactions and gives you an accurate picture of where your income actually went. It is 'based on facts' and lets you discover your spending habits and what you need to do to fix your budget. For example, you group up all your transactions from Coles, Woolworths and Aldi as Groceries and see that your actual spending is a weekly average of $130.

You get the best results by using the two together. First, set up your budget by taking a guess at your income and expenses (Groceries $100 Weekly). Then, review your last one to three months of expenses to find out exactly what is going on (Groceries $130 Weekly average).

Finally, compare your spending to your budget and instantly see where you need to make changes going forward. In our example, we were budgeting $100 a week for groceries (which was our original guess), but looking at our spending we can see it is more likely $130 a week, so we need to move some money around in the budget to cover it.

Comparing the spending reports to the budget is as simple as clicking on the Track to Budget option and it will automatically overlay the budget over your spending, and show you visually what needs attention. You can drill down into Parent Category comparisons, subcategory comparison and easily find out the spending transactions causing the trouble.

YES - MoneyFormula has a Monthly Spending report that provides you with a month by month breakdown of your overall spending by your major categories. Within this report you can select Comparison to see the difference between spending in any two months to get a quick picture of what has gone up and what has gone down.

You can use the comparison to see if you are on track with budget and spending goals you have set yourself. For example, if you have reviewed your subscriptions and they were at $75 a month, and your new goals is $50 a month you can compare a previous month to the current month and see how well you are tracking.

The report can also be really handy to help update your budget to allow for increases in cost of living. For example, you could compare today to your spending six months ago an instantly see which categories are changing. You may find Groceries, Electricity, Gas, Water and so on have all gone up 5% to 10% so it is time to review your budget. Has your income also gone up? or is it time to make some budget cuts to keep cash flow positive.

The Monthly Spending report is kept up to date automatically, so if you are using bank sync to automatically update your spending accounts and the AutoMatcher is automatically assigning your spending categories for you, then you have a complete spending trends at your fingertips in real-time.

YES - The MoneyFormula budget software has an option from the Monthly spending report do download the last 12 months of spending history, including amounts and transaction counts, so you can easily dive into the details in Excel.

By default the csv extract will contain all of your spending for the last 12 months, made up by summarising all your spending transaction across all of your spending accounts, and grouping by spending subcategory. So you have access to very detailed information for the year. For example, if under the category 'Home - Phone & Internet' you have spending transactions for Telstra, Optus and your Aussie Broadband they will be added up by monthly total. If you had one transactions for each provider then you would see count of three.

If you want to also include your budget amounts in the budget software extract, then simply click the 'Track to Budget' option before exporting and the file will contain both monthly spending and budget amounts. So if for example in your budget you have 'Home - Phone & Internet [Telstra $50 Monthly][Optus $20 Monthly][Aussie Broadband $97 Monthly]' then the budget would show $167 each month, and 3 budget items.

So you have the flexibility to export just spending information, or spending and budget information to your excel spreadsheets.

YES - MoneyFormula is one of the few Australian budget software apps available that truly lets you capture everything you own and owe and give you a complete view of your strategic net worth, including bank accounts, credit cards, BNPL, personal loans, savings accounts, mortgages, property, superannuation, offset accounts, investment loans, cryptocurrencies, share portfolios through to physical assets like cars, boats, trailers, caravans, horse floats cash and gold bullion. There is no limit.

You can choose from the pre-defined account types that include Assets of type Bank Accounts, Properties, Shares & Funds, Cryptocurrencies, Superannuation or you can use the Other Assets for anything else (for example, your car, caravan, home and contents, boat, gold bullion or that rare stamp collection). And on the Debts side you can set up Credit Cards, Buy Now Pay Later, Personal Loans, My Mortgage, Investment Loans and again, use the Other Debts for anything else (which can be great for things like ATO Tax Debt, Parking Fines, Speeding Tickets or Loans from the bank of Mum and Dad).

MoneyFormula goes further that just Assets and Debts, and has a third account category of type Other, specifically set up to help you with savings goals like an Emergency Fund or a Home Deposit, as well as fun savings like that Holiday to Bali, or Hunter Valley Weekend Away or the new car.

Within the budget software you have total flexibility how you maintain the transactions and values of your entire wealth, from bank sync (via Open Banking with over +120 Australian banks), to importing files (OFX, QIF, CSV, TXT, etc) that you can download from your provider if they are not on Open Baking yet (for example, if you are with AustralianSuper, UniSuper, or a share trading platform not linked), through to manual data entry (for example, your property, car or gold stash).

You can use a mix of bank sync, import and manual entry on any asset, debt or other account and MoneyFormula will automatically guide you in keeping all imports and data entry accurate.

YES - The MoneyFormula budget software has both a total Net Worth (for all assets and debts) and a strategic Wealth View (for income-producing assets) providing you with two very important views over your wealth - and making MoneyFormula a stand out over all other budget apps in Australia.

Not sure what the difference is and why you need both? Let's go through them.

Your MoneyFormula total Net Worth is the traditional way to measure what you are worth. Simple. Straightforward. Adds up everything you own and subtracts everything you owe - your home, car, bank accounts, investments, all debts, the lot.

You will find this in most good budget apps, and the more accounts type you can add to the software the more powerful and comprehensive it is. For example, if you were using the Commonwealth Bank app and it only includes your CBA accounts then a net worth view is limited to a small part of your real wealth (just a few bank accounts). In the case of the MoneyFormula budget software, as it allows you to include absolutely everything you own and owe, it truly gives you the best view possible of your net worth.

MoneyFormula goes a step further, and with your strategic Wealth View you can limit the view to only include accounts you have tagged as Wealth Assets - the assets that actually contribute to producing income and building your long-term wealth. This means you would tag assets like your superannuation, share portfolio and investment properties as Wealth Assets, while excluding personal use items like your home and vehicles - giving you a clear and accurate picture of your wealth-building progress.

Here's why having both a total net worth and strategic wealth view is so powerful. One shows you the big picture of everything you own and owe, the other lets you focus in on what really matters for building wealth, and what will provide your income as you retire.

For example, your home might increase your Net Worth by $800,000 which is great to see, but if you live in it, it is not producing income. The strategic Wealth View lets you see which of your assets are actually working for you.

This makes the MoneyFormula budget software a heavyweight stand out in the Australian budget landscape as it automatically updates both views as you bank sync (via Open Banking), import files and manually update asset valuations, so you always have a clear view of your Net Worth and your Wealth positions.

YES - The MoneyFormula budget software has a dedicated Debt Profile area that automatically groups up all the debt accounts you enter into the software, from credit cards, store cards, Afterpay, buy now pay later (BNPL), pay day loans, personal loans, car finance, your mortgage, investment loans, margin loans and any other debt types (like ATO tax debt, solar panel loans, loans from friends and family, etc.) and automatically groups them up under four pre-defined categories: Bad Debt, My Mortgage, Investment Loans and Other Debts.

The debt profile then shows you the Total Debt per debt category including amount owing and percentage of total, and it shows the Debt Regular Repayments due per debt category so you can see total monthly minimum payments required and the percentage of your income going on different types of debt.

You can expand the debt categories at any time to get a full picture of the individual debt accounts under each, and you can set up goals to pay down different debt categories (eg Crush Bad Debt) and instantly see when you will be debt free based on your current budget allocations.

Knowing your debt types is an important part to budgeting and the debt profile makes it easy to see total good debt and total bad debt you have. The debt profile is automatically updated as you add new debts, and any time you change the balance, whether taking on more debt to pay for the holiday to Ayers Rock, or paying down that Myer card so you always have a clear picture of your outstanding debts.

YES - MoneyFormula gives you three different debt strategies you can choose from, snowball (or smallest balance first), avalanche (or largest interest rate first) or custom (where you choose the order most important to you). If you have more than one debt, the order you pay them off can make a big difference - both financially and emotionally, and MoneyFormula lets you test each at the click of a button so you can see which saves me the most money and which help you become debt-free the fastest.

For example, if you had four debts: A Latitude Visa with $800 owing at 24%, a Commonwealth Bank Mastercard with $2,500 owing at 22.9%, an ATO Tax Debt of $2000 at 10% and an ANZ Personal Loan for a car with $12,400 owing at 14%, let's look at what you would do under each strategy.

With MoneyFormula's smallest balance first strategy (sometimes called the Snowball strategy), this approach is all about quick wins and building momentum. MoneyFormula automatically lines up all your debts from smallest to largest balance and gets you to pay off the smallest one first, regardless of interest rate. Then the next smallest and so on until you are debt free.

From our example debts above, with the smallest balance first strategy MoneyFormula would line them up in this order to pay them in order of: [1] Latitude Visa ($800), [2] ATO Tax Debt ($2,000), [3] CBA Mastercard ($2,500) and [4] ANZ Personal Loan ($12,400).

With MoneyFormula's largest interest rate first strategy (sometimes called the Avalanche strategy), this approach is all about getting rid of the most expensive debt first. MoneyFormula automatically lines up all your debts from largest to smallest interest rate and gets you to pay off the largest rate first, regardless of balance. Then the next largest and so on until you are debt free.

From our example debts above, with the largest interest rate strategy MoneyFormula would line them up in this order to pay them in order of: [1] Latitude Visa (24%), [2] CBA Mastercard (22.9%), [3] ANZ Personal Loan (14%) and [4] ATO Tax Debt (10%).

With MoneyFormula's custom sort strategy, you arrange your debts in any order YOU choose. Sometimes the most 'emotional' debt is the one to tackle first. Getting rid of it can be a huge relief - even if it's not the mathematically 'best' choice.

You can even mix the strategies, for example, sort by smallest balance first then custom move an 'emotional' debt to the top.

From our example above, you might want to get rid of the tax debt first as you want to clear that off, so you choose smallest balance first, then custom move the tax debt to the front so you end up with [1] ATO Tax Debt ($2,000), [2] Latitude Visa ($800), [3] CBA Mastercard ($2,500) and [4] ANZ Personal Loan ($12,400).

How do you know which is the best debt strategy for you? The best strategy is the one that keeps you motivated and paying down debt. The good news is you can test all three strategies in MoneyFormula at the click of a button and see which one works for you.

Then pick your strategy, lock it in, and make it happen.

YES - The MoneyFormula interest rate rise report will instantly show you the impact of any interest rate rise on your mortgage so you start planning for the additional repayments in your budget, before the rate rise happens.

For example, if you have a mortgage with Westpac and your rate is 5.75%, and the RBA announces there will be a 0.25% rate increase which Westpac says it will pass on in full in two week's time, you can go straight into the MoneyFormula interest rate rise report and see what the new rate of 6.00% (a rate increase of 0.25%) will do to your mortgage repayments, so you can start planning from today.

You can even plan further ahead and easily test 0.50% or 0.75% increase to predict the stress it will put on your monthly budget and start making budget changes in MoneyFormula to get the money ready. With the RBA meeting regularly to review rates, and the banks normally passing on interest rate increases in full, being prepared ahead of any announcement means you are never caught off guard by a change in your repayments.

YES - MoneyFormula lets you track your entire mortgage history and using the Mortgage Tracker you can review your progress, scenario plan (on interest rate rises, extra repayments, offset account balances, switching to weekly/fortnightly payments and review loan payout options), you can check your interest calculations for errors (to make sure the bank has linked your offset account, applied any discounts you are due and check they have applied the interest rate correctly) and you can lock in goals to crush your mortgage (by locking in a debt free date, locking in to cut X years off your loan, or linking it up to the wealth goal bucket from your budget).

MoneyFormula uses your latest mortgage information so that you always have up to date facts to review your mortgage and stay motivated to crush your debts. If your mortgage is with one of the 120 financial institutions on Open Banking (including popular Australia banks such as CommBank, NAB, Up Bank , Westpac, Ubank, ING, ANZ, Macquarie, Bendigo Bank, Suncorp and St. George Bank) then your mortgage balance will be automatically maintained for you allowing the Mortgage Tracker to instantly provide results any time you need them.

YES - MoneyFormula provides you with a suite of planning reports specifically for your mortgage and investment loan, including the Interest Rate Change Report, the Extra Payments Report, the Loan Payout Options Report, the Fortnightly / Weekly Payments and the Offset Benefits Report, all working off your latest mortgage details and giving you real-time answers to your scenarios to help you plan, cut interest paid, maximise your offset benefits, work out when you can afford to be debt free and keep you motivated to crush your mortgage.

The MoneyFormula Interest Rate Change Report lets you enter a new interest rate to see the impact on your current mortgage. For example, if you have a mortgage with Westpac and your rate is 5.75%, and the RBA announces there will be a 0.25% rate increase which Westpac says it will pass on in full in two week's time, you can go straight into the MoneyFormula interest rate rise report and see what the new rate of 6.00% (a rate increase of 0.25%) will do to your mortgage repayments, so you can start planning from today.

The MoneyFormula Extra Payment report lets you enter an amount to increase (or decrease) your current repayments to see the impact on your current mortgage. For example, if you add $100 to your ANZ mortgage repayments it will instantly show you how much you will save and how many years you will cut off of your loan.

The MoneyFormula Loan Payout Options report is a great way to lock in a debt free date and find out what you have to do to achieve it. You can pick an exact date; or you can choose one of the loan term adjustment options. Once entered you will see the new repayment amount you will need to pay and the interest remaining before your debt is paid off.

For example, if you have 23 years left on your Macquarie Home Loan, you could go in and lock in to be debt free 15 years from now, and MoneyFormula would lock in the date and show you the extra amount you would need to pay. The report automatically adjusts each time you run it, so if you have a bad month (for example, the Australian cost of living taking its toll) and fall behind your target amount slightly it will readjust and show you what you have to pay to catch up.

The MoneyFormula Fortnightly / Weekly Payments report quickly shows you how much you will save if you split your monthly payment amount into fortnightly or weekly payments. It relies on you paying 1/2 the monthly amount per fortnight; or paying 1/4 the monthly amount per week. This savings trick has been around for years, is easy to follow and it works. You end up making one extra monthly repayment over the year which goes towards the principal and reduces your interest.

For example, if your mortgage repayments were $1,000 a month with Aussie Home Loans, you would start paying $500 a fortnight or $250 a week. With monthly payments you would pay 12 * $1,000 = $12,000 a year out of your budget and into your mortgage.

However, with fortnightly payments you would pay 26 x $500 = $13,000 a year, which is $1,000 more. Similarly, with weekly payments you would pay 52 x $250 = $13,000 a year, which is also $1,000 more.

That extra payment ($1,000 in our example above) is the secret weapon to paying down your mortgage faster. It goes directly toward your principal balance, reducing the amount of your loan you're charged interest on. And MoneyFormula calculates these figures and shows you your exact savings for your mortgage at the click of a button.

The MoneyFormula Offset Benefits report will let you work out how much you can save using an offset account. Whether you have an offset account with ING, Ubank or any leading Australian mortgage provider, and whether you have a fixed amount that sits in your offset all of the time, or the balance varies throughout the month, you can nominate an average offset balance and instantly see the impact on your mortgage.

You can also enter an amount you want to add regularly in the way of extra payments, so even if you have a low offset balance right now, it will show you the total benefits over time. These days, lenders generally charge extra to add an offset to a mortgage. This report lets you check how much you are likely to save and therefore whether it is worth setting one up.

The huge benefit of using MoneyFormula's specialised mortgage reports and calculators over the online mortgage calculators available (like the Westpac's Home Loan Repayment Calculator, or the CommBank's Mortgage Repayment Calculator, or the Aussie Home Loans' Interest Rate Change Calculator), is that as you are already tracking your mortgage in MoneyFormula so it knows your exact balance, repayments, interest rate and term remaining, so at the click of a button you can get all the results you need.

Unfortunately, most online calculators make you re-enter your mortgage details every time you want to use them, even for the simplest of answers, and they often assume you want to take out a new mortgage (the bank wants to sign you up to) and therefore they don't always work on your mortgage that is partially repaid.

The great thing with the MoneyFormula integrated mortgage reports and calculators is that they have been specifically designed to work with all Australian mortgages. So it doesn't matter whether your mortgage is with one of the big bank lenders like the Commonwealth Bank (CBA), Westpac, NAB, ANZ, Macquarie Bank or ING, or if you are with a non-bank lender like Liberty Finance, Pepper Money, Bluestone Home Loans, Qantas Home Loans or an AFG funded mortgage, MoneyFormula will easily crunch your numbers and keep you one step ahead.

YES - MoneyFormula allows you to link any number of offset accounts to your mortgage and it will use all the correct balances in the calculations when estimating your interest saved. You can customise the rules the bank applies to each of your offset accounts, for example is there is a minimum balance required before the offset is applied, whether there is start or end date to when the account was linked, or even if it shares the same interest rate with the mortgage or has its own interest rates.

The mortgage interest checker report recalculates and checks that the bank has been allowing you the correct offset balance in your calculations, with the reports showing you month by month how much it is saving you and total savings to date over all of your offset accounts.

The report is particularly useful to run if you have recently linked your offset accounts at the bank, so make sure they have correctly set things up in the legacy bank systems. There have been multiple cases of home owners paying for an offset account, seeing an offset balance, but the bank forgetting to link the accounts, so the homeowners were receiving zero benefit (despite paying extra for the offset facility). This level of offset account verification is not available in standard bank apps or generic budget software and is one of the great ways MoneyFormula goes beyond simple budgeting.

YES - MoneyFormula's Wealth Goal have been set up to help you create an emergency fund, pay down bad debt, save for a home deposit, as well as crush your mortgage and pay down investment debt. In addition, the Rewards Saving let you attach a savings goal to any of your bank accounts to help you save for anything else you are waiting to buy (for example, a new car, a holiday or a new TV).

You can pick which Wealth Goals you want to tackle by simply enabling them. For example if you wanted to create and emergency fund, then crush your bad debt, followed by your mortgage, you would go into the Wealth Goals and enable them, and then MoneyFormula will automatically work out then they will complete.

The Wealth Goals are integrated with your accounts and your budget so everything updates automatically in real-time. When you add debt accounts they are automatically added to the correct wealth goal. For example, if you add an ANZ credit card, an Afterpay account, a Westpac personal loan and a Myer store card they would automatically appear in the Crush Bad Debt goal.

The Wealth Goals bucket from your budget automatically gets applied to your Wealth Goals. So, if for example you set up a $50 money flow to your Wealth Goals in your budget, MoneyFormula would automatically apply the amount to your wealth goals, and calculate in real-time when each goal will complete, the amount of interest left to pay on each, and the snowball effect from one goal to the next. Update the budget amount to your wealth goals to $100 and in real-time you can see the impact.

YES - By default MoneyFormula applies Multi-Factor Authentication to all new accounts to help keep your account access secure. In addition, MoneyFormula provides bank sync only via the secure Open Banking access as an accredited CDR Representative (under licensed Accredited Data Recipient ADRBNK000246), part of Australia's Consumer Data Right legislation.

As part of Open Banking MoneyFormula does not collect or store bank login usernames or passwords, instead you set up a consent directly with your bank (normally authorising through your bank app or mobile number registered with your bank).

In addition, all data entered and collected in the MoneyFormula web and mobile apps is encrypted in transit using SSL/TLS 1.2+ and encrypted at rest using AES-256.

Our cloud-hosted servers are located within Australia with one of the industry leading cloud hosting providers. Our cloud hosting provider adheres to stringent cybersecurity standards and certifications, including ISO/IEC 27001:2022, 27017:2015, 27018:2019, 27701:2019, 22301:2019, 20000-1:2018, 9001:2015 and CSA STAR CCM v4.0. They also maintain a PROTECTED certification under the Australian Cyber Security Centre's (ACSC) Information Security Registered Assessors Program (IRAP), allowing them to handle sensitive classified government data.

To help keep your data secure, the MoneyFormula mobile apps available from the Apple App Store and Google Play use the latest versions of the iOS and Android security frameworks in compliance with the respective stores' guidelines, and the MoneyFormula web app is designed to work on the latest web browsers, allowing you to run the app in the most up-to-date and secure environment available.

YES - The MoneyFormula Mobile Apps and the browser web app all stay in sync with each other, no matter which you use to update your information in. For example, on any given day you might update some of your budget details over the morning coffee using your laptop at home, on your commuter to work you use the iOS native mobile app to check your latest spending and adjust some of the spending categories, at lunch time you log in from your work computer to check how your goals are progressing and when you can escape on that holiday to Bali, on the way home you check the interest the impact of the latest interest rate rise, and that night back on your laptop you check your upcoming expenses.

Multiple devices, all providing the same functionality, all in sync so you can access MoneyFormula 24/7 and all handled for you automatically.

YES - MoneyFormula will easily let you maintain your entire mortgage history going back up to 30 years and by default all forward projections will forecast up to 99 years into the future if required.

If you find it disappointing that most Australian banks only provide 12 to 24 months of transaction history in their apps and online banking portals, or that some of the free budgeting apps start clearing your spending categories, then you are going to love MoneyFormula. Track your mortgage from the day you signed the papers, review your spending habits going back several years, or import historical bank statements you have saved over time, MoneyFormula handles it all.

The MoneyFormula transaction search and filter tools let you find and review any transaction across your entire history at any time, in seconds, making it easy to find old transactions, verify past payments or check your financial progress over any period you choose.

On the forward projection side, the 99-year horizon means MoneyFormula can model your mortgage, debt payoff dates, wealth goals and financial projections as far into the future as you need - whether you are planning to be mortgage free in 15 years or you want to line up multiple wealth goals one after the other MoneyFormula will churn out the numbers.