Financial disclosures

Last updated 2026-09-03

Waybook produces figures about your money: what this month cost, what a mortgage would do to your cash, when a debt clears, what your net worth might be in thirty years. This page explains what those figures are and, more usefully, what they are not.

[LEGAL REVIEW REQUIRED] This is a draft prepared from the product as built. The characterisation of Waybook’s planning output has not been reviewed by a securities lawyer, and that review is required before publication.

Waybook is a tool, not advice

Waybook is software you enter information into. It organises what you record and calculates projections from assumptions you set. It does not know your full circumstances, has not assessed whether anything is suitable for you, and is not a substitute for a professional who has.

Nothing in Waybook is individualised investment, tax, accounting, legal or insurance advice. Waybook does not recommend, endorse or rate any security, fund, insurance product, lender or financial institution, and it is not paid by any of them.

Before you act on anything Waybook shows you — changing a contribution, taking a mortgage, paying off a loan early, changing your cover — check it with someone qualified to advise on your actual situation.

What Waybook calculates, and what it does not

It does:

  • project balances forward from a rate of return that you choose, and show a range around it;
  • replay your plan through a table of historical annual US stock returns, bond returns and inflation, and report the spread of outcomes those past sequences would have produced;
  • order your debts by which clears fastest, which is arithmetic on the interest rates and minimums you entered;
  • estimate payroll tax, benefit costs, mortgage payments, and Social Security survivor and disability figures from published statutory formulas.

It does not:

  • name, recommend, rate or select any security, fund or other investment;
  • construct or suggest a portfolio, or an allocation between asset classes;
  • tell you what returns to expect, or forecast a market;
  • prepare, file or check a tax return;
  • have any ability to move money, place a trade, or transact on your behalf.

The distinction matters: Waybook does arithmetic on figures you supply. Choosing the figures is your decision, and choosing what to invest in is a question Waybook does not answer.

Projections are assumptions, not predictions

Every long-range figure in Waybook rests on assumptions: a rate of return, an inflation rate, a pay trajectory, a tax regime that stays roughly as it is, a life that goes roughly as planned. All of those will be wrong to some degree, and small differences compound into large ones over decades.

This is why Waybook shows a band rather than a line, and why the long-run view replays your plan through many historical sequences instead of one assumption. The width of the band is part of the answer, not decoration on it.

Historical data does not predict future results. That a plan survived every historical sequence in the table is genuinely useful information, and it is not a guarantee: the future can be worse than anything in the record. No result Waybook shows is promised, guaranteed or assured.

Where the numbers come from

Waybook’s reference data — tax brackets, contribution and wage-base limits, Social Security formulas, historical market series — is built into the software. Each figure carries its published source and the date it was last reviewed, so you can check any of them.

Reference data can nonetheless be out of date, misread or superseded — rules change, sometimes retroactively. Your own situation may also fall outside what the model handles: Waybook is built around common cases and does not cover every filing status, benefit structure, equity compensation arrangement, state rule or edge case.

Your records are your responsibility

Waybook does not connect to your bank today. Balances and transactions are there because you typed them or imported them, and they are as current as the last time you did. A balance in Waybook is a record of what you told it, with the date attached — not a live figure from your bank, and not a statement.

Imported files can be incomplete, mis-mapped or duplicated. Check anything you rely on against your actual statement.

No fiduciary relationship

Using Waybook does not create a fiduciary, advisory, brokerage or professional relationship between you and us. We do not owe you a duty of care in respect of your financial decisions, and we are not liable for them. See the terms of use.

Questions

If anything on this page is unclear, or if you think Waybook has calculated something incorrectly, please tell us at hello@waybook.io. We would rather hear about a wrong figure than not.