Is OnTrajectory Legit?

Jeremy BiberdorfBy: Jeremy Biberdorf

April 18, 2023April 18, 2023


Financial planning can be an overwhelming task for many of us. With so many tools, apps, and websites claiming to help us plan for a secure financial future, it’s hard not to feel lost in the sea of choices. If you’ve ever wondered whether a particular platform is worth your time and trust, you’re not alone. Among the numerous financial tools out there, OnTrajectory has been making a name for itself, but the question remains: is OnTrajectory legit?

OnTrajectory is a web-based platform designed to help users create a personalized financial plan and track their progress towards retirement. It offers a comprehensive suite of retirement calculators, planning tools, and resources to guide users through the process of planning for their retirement age. In this article, we will explore the features, reliability, and reputation of OnTrajectory to help you make an informed decision about using this retirement tool.
Learn More About OnTrajectory

Company Background

Before we dive into the details of OnTrajectory, it’s essential to understand the company’s background and the people behind it. Established in 2014, OnTrajectory is a financial technology company that aims to empower individuals to take control of their financial future. The company’s mission is to provide a user-friendly tool to help users create, track, and analyze their financial trajectory, whether they are planning for retirement, saving for a home, or just seeking more control over their finances.

The founders of OnTrajectory, Tyson Koska and Harry Sit, both have extensive experience in the fields of finance and technology. Tyson, the company’s CEO, has a background in software development and financial modeling, while Harry, an experienced financial blogger, brings a wealth of knowledge in personal finance to the team. Together, they have created a platform that combines financial expertise with user-focused design.

OnTrajectory is headquartered in Baltimore, Maryland, and has since garnered a growing user base and positive feedback from financial professionals and customers alike. The company is committed to transparency and providing excellent customer support, ensuring that users have the necessary resources to make informed financial decisions. With a strong foundation and a team dedicated to helping people achieve financial freedom, OnTrajectory is well-equipped to deliver a reliable and efficient financial planning solution.

Features and Functionality

OnTrajectory offers an extensive range of features designed to help users create and manage their financial plans. Some key features of the platform include:

  • Retirement Calculators: OnTrajectory’s retirement calculators allow users to input their financial information, such as income, expenses, savings, and investments, to create a personalized financial trajectory. The platform’s calculators also enable users to adjust various factors, such as retirement age, investment returns, and inflation, to test different retirement scenarios and make informed decisions about their financial plan.
  • Simple Questions: OnTrajectory simplifies the retirement planning process by guiding users through a series of simple questions. These questions help users gather the necessary financial information and input it into the platform’s calculators, creating a detailed and personalized financial plan.
  • Retirement Savings Tracking: OnTrajectory’s platform allows users to track their retirement savings and monitor their progress towards their financial goals. The platform’s tracking features enable users to identify areas where they may need to make adjustments to their financial plan and ensure that they stay on track to reach their retirement goals.
  • Retirement Scenarios: OnTrajectory enables users to test various retirement scenarios, such as early retirement, part-time work, or extended careers, to determine the impact of these choices on their financial trajectory. This flexibility allows users to make informed decisions about their financial plan and adapt their retirement strategies to meet their specific goals and preferences.

Pricing Options

OnTrajectory offers a range of pricing plans to suit different needs and budgets. The platform provides a free basic plan with limited features, as well as paid plans that offer more advanced features and resources. OnTrajectory’s pricing plans are designed to be flexible and scalable, allowing users to choose the plan that best suits their needs and budget.

Who is OnTrajectory for?

OnTrajectory is designed to cater to a broad range of users, from those who are just starting to plan their financial future to seasoned investors looking to refine their strategies. The platform is suitable for individuals in various stages of life and with different financial goals. Here’s a closer look at who can benefit from OnTrajectory:

  • Beginners in financial planning: If you’re new to the world of personal finance or just starting to build your financial plan, OnTrajectory offers an intuitive interface that makes it easy to understand and visualize your financial trajectory. It helps you create a roadmap for your financial future by setting goals and tracking your progress over time.
  • Retirement planners: For those looking to secure a comfortable retirement, OnTrajectory can help you project your retirement savings, estimate your future expenses, and determine the optimal saving and investment strategies to reach your goals.
  • Homebuyers and other major life events: Whether you’re saving for a down payment on a house, funding your child’s education, or planning a dream vacation, OnTrajectory allows you to create custom scenarios to help you prepare for significant financial milestones.
  • Debt management: If you’re working to pay off debt, such as student loans, credit card debt, or a mortgage, OnTrajectory can help you develop a strategy to minimize interest costs and pay off your debts as quickly as possible.
  • Investors: Experienced investors can benefit from OnTrajectory’s advanced features, such as Monte Carlo simulations and tax optimization strategies, to refine their investment portfolios and maximize their returns.

OnTrajectory is a versatile platform designed to accommodate a diverse user base. Whether you’re just starting to take control of your financial future or you’re an experienced investor, OnTrajectory can provide valuable insights and tools to help you achieve your financial goals.


OnTrajectory has designed a pricing structure that is both straightforward and affordable, catering to the diverse needs of its users. You can get started with a free Basic account that provides essential features, allowing you to explore the platform’s capabilities. However, if you wish to access the full potential of the tool, you can upgrade to an Unlimited plan anytime within the app. At only $8 per month, the Unlimited plan provides advanced features, more customization options, and priority support. It’s a valuable investment that’s definitely worth considering for anyone serious about their financial planning goals.

Reliability and Security

OnTrajectory’s reliability is evident from its commitment to providing accurate and up-to-date financial planning tools and resources. The platform is continuously updated to incorporate changes in economic conditions, tax laws, and investment trends, ensuring that users have access to the most current and relevant information for their retirement planning.

Security is also a top priority for OnTrajectory. The platform uses SSL encryption to protect user data and ensure secure communication between the user’s device and OnTrajectory’s servers. Additionally, the platform offers two-factor authentication (2FA) as an optional security measure, adding an extra layer of protection to user accounts.

Final Thoughts – Is OnTrajectory Legit?

Based on our analysis, OnTrajectory is indeed a legitimate and reliable financial planning tool. The platform offers a comprehensive suite of features designed to help users create, manage, and track their financial plans, catering to individuals at various stages of their financial journey. With a strong foundation in financial expertise and technology, OnTrajectory is well-equipped to provide valuable insights and guidance to its users.

The company’s commitment to transparency, security, and continuous improvement ensures that users can trust the platform with their sensitive financial information. The affordable pricing options make it accessible to a wide range of users, and the platform’s intuitive interface makes it easy for beginners to navigate the world of financial planning.

We believe that OnTrajectory is worth considering for anyone looking to take control of their financial future. The platform offers a user-friendly and powerful toolset to help users achieve their financial goals, whether they are planning for retirement, saving for a major life event, or working to pay off debt. By providing accurate, up-to-date, and personalized financial planning resources, OnTrajectory empowers individuals to make informed decisions and work towards financial freedom.

Click here to get started with OnTrajectory today.

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Jeremy Biberdorf
Jeremy Biberdorf

About the Author:

Jeremy Biberdorf is the founder of Modest Money. He's a father of 2 beautiful girls, a dog owner, a long-time online entrepreneur and an investing enthusiast.

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