Frequently asked questions
Is this financial advice?
No. Milora provides educational information and hypothetical, user-directed scenarios. It does not tell you what to buy or sell. Consider a qualified professional for individualized advice.
Why 7%?
It is an illustrative long-run annual total-return assumption (including reinvested dividends) that you can change. It is not a forecast or a promise.
Do you add dividends on top of the return?
No. Assumptions are total returns, so dividends are already included. Adding yield on top would double-count.
Do I need an account?
Not for the calculator. You need an account to save destinations and portfolio data.
Do I need AI?
No. The calculator, accounts, projections and route comparisons work without any AI. AI is optional for imports and explanations, using your own provider key.
Can Milora see my 401(k) fund menu?
Only what you provide or authorize. Public funds aren’t necessarily available in your plan, so options are labeled Verified available, Publicly listed, or Needs verification.
Which institutions can I connect?
Direct connections aren’t live yet. You can add accounts manually or import screenshots, PDFs and CSVs today.