OnTrajectory Review 2023

Jeremy Biberdorf By: Jeremy Biberdorf Mar 17, 2023
Disclosure: This page may contain affiliate links. This means we earn a small commission (at no additional cost to you) if you purchase a product through our links.
OnTrajectory Logo


4.2 rating based on 5 ratings

Learn More

In a nutshell: Do you ever wonder if you’re on track for retirement? OnTrajectory is a fintech (“financial technology”) company that aims to help people better understand and plan for their financial future.

OnTrajectory sees its software as a kind of “personal financial GPS.” Users input a wide range of data, and OnTrajectory leverages this information to predict where the user will be in ten to thirty-plus years.

OnTrajectory is one of a number of retirement tools available online. How does it work and what are its features? And who is it best suited for? Our comprehensive OnTrajectory review will provide answers to these questions and more.

PowerPlan | $5/mo (annual billing)
or $9/mo (monthly billing)
14-day free trial
Pros & Cons
  • Affordable and accurate tools
  • Ability to plan far into the future
  • Comprehensive retirement planner
  • Little automation means time-consuming manual inputting
  • No wealth management services (unlike competitors)

OnTrajectory Review 2023 | Is OnTrajectory Right for Me?

Regardless of net worth, income level, or background, just about everyone can use some assistance when it comes to retirement planning. OnTrajectory is one such tool that has gained in popularity in recent years. But is OnTrajectory right for you?

Whether OnTrajectory is a good fit for you will depend on your specific needs and preferences. If you want a fairly straightforward retirement calculator that can give you a good idea of different retirement scenarios, OnTrajectory should do the trick. But if you want a comprehensive retirement planner that will also manage your money, OnTrajectory does not offer such services.

Keep reading to learn more about OnTrajectory, including how it works as well as its top features.

External OnTrajectory Review & Ratings

Good Firms5

How Does OnTrajectory Work?

OnTrajectory was developed to leverage technology to assist with retirement planning. It provides a variety of tools that can process data and run simulations. The goal is to give you a sense of your overall financial situation and if you’re on track—or on trajectory—for retirement.

OnTrajectory requires a good amount of work from its users. Rather than link accounts, as some of its competitors do, OnTrajectory requires you to input everything manually. This is rather time-consuming, not to mention prey to human error (e.g. if you miss a decimal or add an extra zero, your predictions will be far off).

Once your information is inputted, OnTrajectory runs simulations that offer predictions about your financial trajectory. You can input various situations, such as buying a car or a house or taking a job with a different salary from your current one.

OnTrajectory Features

OnTrajectory has a few key features that enable it to provide affordable and accurate tools for retirement planning, including the following:

  • Create various scenarios – Thinking about buying a house? Considering switching to a less stressful but also less lucrative job? OnTrajectory allows users to input a wide range of scenarios to see how it will affect their financial future and retirement plans.
  • Track investments and expenses – With OnTrajectory, you can easily monitor both assets and expenses, which are vital considerations for retirement planning.
  • Calculate success rate for retirement – OnTrajectory offers a “retirement success rate” percentage based upon the information that you give it. This can give you an at-a-glance sense of whether you’re on track or not for your desired retirement age and lifestyle.
  • Unlimited entries – There are no limits to the number of account, income, and expense entries. This means that no matter how much your life changes, and however your income and/or expenses may pile up, OnTrajectory can handle the added load.

OnTrajectory Pricing & Plans

OnTrajectory does not offer a “Basic,” that is, free plan. There is only the PowerPlan, which is available as a free 14-day trial (without payment information, which is nice).

The PowerPlan works as follows:

  • $5/mo | Billed annually ($60/yr)
  • $9/mo | Billed monthly ($108/yr)

Is OnTrajectory Worth It?

Thanks to Internet tools such as OnTrajectory, gone are the days when you would need to be an accountant and pull out your old high school math skills to make sense of your financial future. OnTrajectory does the math and the simulating for you, meaning that all you have to do is input your data and imagine whichever scenarios you like.

Given its affordability (the price of a cup of coffee each month), there’s a lot to like about OnTrajectory. It can more than handle the finances of average to upper-middle-class people.

That said, OnTrajectory lacks some of the features of its peers. It doesn’t have the most striking interface, and there are no options for robust robo-advising or money management. People looking for that will need a different tool than OnTrajectory.

To check out OnTrajectory for yourself, click here to see how it aligns with what you’re looking for in a retirement planner.

Related Retirement Product Reviews:

Jeremy Biberdorf

About the Author:

Jeremy Biberdorf is the founder of Modest Money. After working many years in the website marketing industry, he decided to take on blogging full time and also get his finances headed in the right direction. Also check out his contributions to Equities.com and Benzinga.