Debts and Money Flows
Debts and Money Flows
Debts reduce net worth and may require dedicated payoff cash flows. Money flows model contributions, withdrawals, and transfers between accounts over time.
Debts
The Debts page captures non-mortgage debt on finplanner__FinPlan_Debt__c. Mortgage debt
tied to real estate is typically entered on Home and Real Estate rather than the general Debts page.
Debt Type values
| Debt Type | Typical use |
|---|---|
| Auto Loan | Vehicle financing |
| Credit Card | Revolving consumer debt |
| Medical Debt | Healthcare-related balances |
| Student Loan | Education debt |
| Total Debt | Aggregate debt entry |
| Other | Personal loans and miscellaneous debt |
Key debt fields
| Field | Purpose |
|---|---|
| Current Balance | Outstanding principal |
| Interest Rate / Interest Type | APR and fixed vs variable treatment |
| Payment Amount / Payment Frequency | Scheduled payment schedule |
| Minimum Payment | Floor payment for revolving debt |
| Remaining Term | Months or years until payoff |
| Secured Asset | Linked collateral (for example, vehicle) |
| Include In Plan | Whether debt participates in projections |
| Ownership | Primary owner or spouse |
Debt Go vs Debts vs My Financial Records
Debts is the focused debt table page. Debt Go opens the same composite My Financial Records page but auto-scrolls to the debt section—it is a navigation shortcut, not a separate debt engine. Use Debt Payoff Explorer under Explorers to compare payoff strategies after a baseline run.
Money Flows
Money Flows (finplanner__FinPlan_Money_Flows__c) describe money movement:
Money Flow Type values
| Money Flow Type | Typical use |
|---|---|
| Recurring Contributions | Payroll deferrals, IRA/TFSA/RRSP contributions, employer match |
| Roth Conversions | Planned Traditional-to-Roth conversions with tax timing |
| Transfers | Account-to-account moves, including debt payoff from designated sources |
Key money flow fields
| Field | Purpose |
|---|---|
| Source / Target Account | Accounts debited and credited |
| Amount Being Contributed / Contribution Percent | Fixed or percentage-based flow amounts |
| Employer Match fields | Match rate and cap on recurring contributions |
| Roth Model Type | Conversion modeling options |
| To Debt | Debt record receiving extra principal payments |
| Start / Stop timing | Active period for the flow |
Partially funded money movements (mortgage payoff, transfers, Roth conversions) surface as health-panel warnings on Overview. Linked-account underfunding is explicit validation—not silent success. See Modeling Assumptions.
Interaction with withdrawal strategy
During orchestration, retirement withdrawals follow Withdrawal Strategy and Withdrawal Order in Plan Preferences. Explicit money flow withdrawals override or supplement automatic strategy behavior for the years they cover.
Conflicting money flows and withdrawal strategy settings can produce unexpected cash positions. After major flow changes, run Run Calculation and review Retirement Withdrawals under Insights.
Related: Accounts and Assets, Explorers (Debt Payoff).