Tiles vs. Flow: reading the right panel

The chart on the left shows the shape of your future. The panel on the right shows what your future actually looks like at one specific year of it. Two views, one toggle, and they answer different questions.

Where the panel lives

The right data panel sits next to the projection chart in the Plan view. At the top you see the age you're currently scrubbed to, the year that age corresponds to, and your net worth at that moment. Below that, a small Tiles / Flow toggle switches what fills the rest of the panel.

Whatever age you scrub to on the chart drives both views. Move the scrubber to age 47 and every number on the right reflects the model's projection for age 47 — your income, your taxes, your account balances, the whole picture for that single year.

Tiles: a snapshot of the year

Tiles is the default. It's a 2x2-ish grid of the six numbers most people want first:

• Income — everything coming in: salary, pensions, withdrawals, anything taxable or not.
• Spending — total outflow for the year, by phase (working / pre-retirement / retirement).
• Taxes — federal plus provincial, totalled.
• Savings — contributions to taxable, registered, and tax-advantaged accounts.
• Liquid NW — net worth minus real-asset equity. The portfolio number you'd actually draw down.
• Real assets — equity in your home, rental properties, anything not liquid.

Tap any tile to expand it and see the breakdown — for spending, the rows by category; for liquid NW, the balance per account; for taxes, the federal / provincial split. The numbers underneath each tile are sub-lines (for example, savings rate sits under Savings, effective tax rate sits under Taxes) so you can read the most useful ratio without expanding anything.

Below the grid you'll see Effective tax rate and Net Legacy as supplementary rows. Net Legacy — your projected after-tax estate value — is a Pro feature and shows a lock icon if you're not on the Pro display tier.

Use Tiles when you want to ask: "what does life look like at this age?" It's the right view for a quick health check, for comparing one age to another, or for spotting an obvious problem (taxes way too high, savings way too low, liquid net worth not where you thought it'd be).

Flow: where each dollar went

Flow rearranges the same numbers into a waterfall: income at the top, then taxes coming out, then spending, then what's left going to savings (or, in retirement years, where the shortfall came from). The same data, organised by causality instead of by category.

Flow is the right view for "where did the money go?" If you scrub to age 62 and see your savings rate has collapsed, Tiles tells you the rate is low — Flow tells you the income line dropped because your salary ended and CPP / Social Security hasn't started yet, taxes stayed roughly flat because you're drawing from a taxable brokerage, and spending didn't change. The waterfall makes the cause-and-effect chain obvious in a way the grid doesn't.

It's also the better view for understanding withdrawal years. The order of the bars — taxes first, spending second, what's pulled from each account third — tells you whether the engine is leaning on registered, taxable, or tax-free accounts to fill the gap.

How to use both

Most people end up doing the same thing: scrub through the chart in Tiles for the headline numbers, flip to Flow when something looks off, and flip back when they understand what's happening. The toggle is sticky within the session, so you're not constantly re-clicking.

The age scrubber is the load-bearing control here. Both views are static photographs — moving the scrubber is what turns them into a movie. Drag it across your retirement years and watch how the flow changes shape as one income source ends, another begins, and tax brackets shift around RMD years. That's where the panel earns its rent.