Understand your money
See whether your portfolio is on track for your goal.
Add a target, a date and a monthly amount, and Walnut projects your path at an assumed 7% a year.
- Retirement to freedom
- Counts outside accounts
- Free to use
Investing for Retirement
7% assumed return
How it works
From a goal to a gap you can read
Pick what it's for
Retirement, a house, a car, education, freedom or something else.
Add what you know
A target, the years and a monthly amount. All optional.
Walnut projects it
Today's value grows at 7% a year, plus your monthly amount.
You see the gap
On track or Behind, and by how many years.
What a goal changes
One goal, read across the whole app.
Suggestions work without a goal, too.
Moves are written around it
AI suggestions and your portfolio read use your goal.
Size, read by your date
Under 5 years to go, a heavy holding is flagged as the main risk on the Holdings page.
The assistant knows it
Ask if you're on track, or change the goal in chat.
Outside accounts count
A 401(k) or pension you add counts on the Goal screen.
Works well with
All featuresPlanning toward a goal, answered plainly.
Short answer
Walnut grows today's value at an assumed 7% a year, adds your monthly amount and compares the result at your date with your target. At or above it is On track. Below it is Behind.
The line reads like "about 2 years early" or "about 3 years late". With no target, you see the projected value alone.
Read the full guide: How to set investment goals with AIShort answer
7% is one fixed long-run figure, shown next to every projection. It illustrates the math and doesn't forecast markets.
Small rate changes matter: $10,000 over 30 years grows to about $43,000 at 5%, $76,000 at 7% and $133,000 at 9%.
7%
Assumed yearly return, shown on screen
1
Goal per account, editable any time
5 yrs
Under this, a heavy holding reads as the main risk
Short answer
Every brokerage account you connect, plus outside accounts you add, such as a 401(k) or pension. Outside balances count on the Goal screen.
Walnut never moves money from your bank. A recurring investment can spend cash already at your broker.
Read the full guide: How to set investment goals with AIShort answer
Your goal and its date shape the AI suggestions and portfolio read. With under 5 years to go, the Holdings page flags your biggest holdings as the main risk.
Without a goal, one suggestion asks what the money is for, listed last.
Read the full guide: How to set investment goals with AIQuick answers
- Do I have to enter a target amount?
- No. The target, years and monthly amount are all optional.
- Can I have more than one goal?
- No, one at a time. The assistant can name it for you, such as "Lake house".
- Can I set my goal from the assistant?
- Yes. Anything you leave out keeps its saved value.
- Is the projection a promise?
- No. It assumes a fixed 7% a year, and real returns vary.
- Can I remove my goal?
- Yes. Disconnect goal removes it.
Keep reading
Walnut is an AI financial advisor app; it is not a registered investment adviser. Nothing here is a recommendation to buy or sell a security. Examples on this page are samples, not real accounts.
Put a number and a date on it.
Change or remove it any time.