Worked examples
What does a real financial plan actually look like?
Not a hypothetical. For each profile below we built a real Dispono account from published national averages — income, savings, debt, investments — for a specific age, country and life situation, then let the product compute the budget, the net-worth forecast and the risk analysis. Every number you'll see is real Dispono output, cited back to its source.
By age, country & situation
Choose a profile
More are on the way — different decades of life, different countries, different starting points (renting vs. owning, single income vs. dual, self-employed vs. salaried). The methodology stays identical across all of them: named sources, a real seeded account, unedited output.
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The average 35-year-old American
The youngest profile in the series, sharing the 40-year-old's 35-44 bracket and Millennial-cohort auto loan — and the only profile whose portfolio survives past the start of Social Security before hitting the same $415,000 floor.
5.2× Wealth multiple$415K Projected at 80 -
The average 40-year-old American
A different bracket again (35-44), a Millennial's auto-loan rate, and the only "Ahead" wealth-multiple rating in the series today — reversed by age 80 anyway. Built from Census's primary HINC-02 table, Federal Reserve, SSA and CDC data.
5.2× Wealth multiple$415K Projected at 80 -
The average 45-year-old American
Median household income, a mortgage half paid off, a 401(k) on autopilot — and a real 3-year gap between the average age people stop working (62) and start Social Security (65). Built from Census, Federal Reserve, SSA and CDC data.
7.0× Wealth multiple$415K Projected at 80 -
The average 50-year-old American
Same national data as the 45-year-old profile — same income, same savings, same debt. Five fewer years of compounding before the same 62-to-65 income gap is enough to move the portfolio's depletion date a full decade earlier.
6.9× Wealth multiple$415K Projected at 80 -
The average 55-year-old American
A fresh Census/Fed bracket, not a reuse of the 45-year-old's numbers — and the starkest result in the series: this household is already drawing down retirement savings in year one, seven years before the paycheck even stops.
8.6× Wealth multiple$415K Projected at 80 -
The average 40-year-old Singaporean
The first profile outside the United States - CPF instead of a 401(k), an HDB flat instead of a mortgaged house, no car. Built from SingStat, CPF Board, HDB and IRAS data: CPF fills first as fixed income, then a global equity fund takes over, and the portfolio grows every year of the plan.
9.7–12× Wealth multipleS$4.54M Net worth at 84 -
The average 40-year-old Singaporean, with a car
The identical household, plus a car - real Singapore costs for COE, ARF, road tax, insurance, fuel, ERP and parking. It drains the entire CPF pool to zero and costs about S$2.8 million by 84.
S$2,496 Car cost / monthS$1.72M Net worth at 84 -
The average 40-year-old Brazilian
The series' first Latin American profile - high inflation, the world's highest real interest rates, and a public INSS pension. Fixed income does the work, and the plan lands squarely on "Balanced," still growing at 77.
8.3× Assets at 77 — BalancedR$2.43M Net worth at 77 -
The average 30-year-old German
A renter with an ETF Sparplan and a pay-as-you-go state pension, not a 401(k) or CPF. Built from Destatis, Deutsche Rentenversicherung and Bundesbank data, it's the only profile in the series whose portfolio runs out completely - there's no house to land on.
0.71–1× Wealth multiple€0 Projected at 81 -
The average 65-year-old American at retirement
The wealthiest household in the series on day one - no mortgage, a Federal Reserve-median 401(k) - and also the fastest to run dry: liquid assets are gone within 6 years, faster than any other profile here.
6 yrs Until liquid assets are gone$415K Projected at 84
Methodology, every time
How every profile is built
Each one follows the same four steps: pick a specific age, country and situation; source every input — income, savings, debt, investments — from a named government or industry survey, using medians over means where both exist; enter those numbers into a real Dispono account; publish the unedited output. Nothing is simulated separately from the product — if you opened Dispono yourself with the same numbers, you'd see the same charts.