How Milora works
Navigation for your financial milestones: start, destination, travel time, routes and arrival.
Three inputs
What you have today, your destination, and when you want to arrive (1–40 years). Instant roadmap, no account.
Refine (optional)
Add monthly deposits, employer match, fees, inflation, and the accounts that fund this destination.
Add your portfolio
Enter accounts manually, upload screenshots/PDF/CSV for guided extraction, or — when supported — connect through an authorized aggregator.
Compare routes
See how more contributions, a later date, lower costs, or tougher markets change your arrival — with trade-offs.
The map
| GPS | Milora |
|---|---|
| Current location | Current portfolio |
| Destination | Financial target |
| Travel time | Investment horizon |
| ETA | Projected (hypothetical) milestone date |
| Traffic | Market conditions |
| Road conditions | Volatility and risk |
| Alternate routes | Contribution & portfolio scenarios |
| Rerouting | Recalculated projections when real data changes |
| Road closures | Account restrictions & unavailable funds |
| Navigation assistant | Milora AI (optional) |
| Destination reached | Milestone achieved |
How the math works
Milora’s projections come from a deterministic, tested calculation engine — never from an AI model. Monthly compounding uses the equivalent monthly rate of your annual assumption. Return assumptions are total returns that already include reinvested dividends, so dividend yield is never added on top. Fees are applied as an annual drag. You can choose month-end or month-start deposits, add employer contributions, annual increases, and inflation.
All projections are hypothetical. Actual returns will differ and you can lose money.