FAQ: Frequently Asked Questions

All Untangle products are designed specifically for women's financial realities. They account for career breaks, start with conservative investment returns, and longer life expectancy — factors that most generic tools overlook.Untangle products also consider your budget and retirement plan together to create a sustainable financial roadmap. We know that most people can't save & invest as much as a typical retirement calculator suggests. And we also know that too many restrictions on joyful spending aren't realistic. Untangle helps you balance both, so you can plan confidently while balancing your Now Money with your Future Money.

Not at all! The tool is designed for beginners. The learning modules start with the basics and build up your knowledge progressively. You'll understand everything you need to make confident decisions.

Yes! If you decide you want personalized guidance after exploring the Self-Serve version, you can upgrade, and we'll credit your original purchase toward the Full-Serve MINI.

We offer a 30-day money-back guarantee. If the Self-Serve MINI doesn't meet your expectations, we'll refund your purchase in full, no questions asked.

With all Untangle Money products, you'll gain two simple, easy-to-remember metrics that help you:Understand how much you can spend for every hour you workKnow how much you need to invest each month to reach your retirement goalThroughout your journey, you'll interact with your money and explore different choices, seeing how each decision could shape your financial future.With the Untangle MINI Self-Serve, you'll also have full access for a year to:Your personalized dashboardSaved scenariosAll learning modulesAnd because we believe in giving you choice, we'll ask before the end of the year if you'd like to renew your subscription for another year.

As you go through any Untangle Money Product, we'll ask for information to tailor your scenarios to your finances. This includes:Your ageTake-home incomeDebt (minimum payments and interest rates)Retirement savings, including corporate matching or pension programsEmergency savings (or what we like to call your "life happens" fund)Committed expenses — money that goes toward bills or obligations before discretionary spendingYou only need to share as much as you're comfortable with, and adjustments can be made as you progress.

How much can I spend and save?We break this down by hour worked, so you can figure out how many hours you want to work to make a purchase. Hint: there's no right answer. You'll also see how much you can save & invest while maintaining your current lifestyle. Once again, there's no "right" answer, just what works for you.What do people mean when they say, "get your money working for you"? Why is investing so important?Investing allows your money to grow over time, helping you reach long-term goals like retirement and making sure you'll be okay in the future. Untangle products show you how different strategies can work for your unique situation.What factors impact how much I should save for the future?Your savings needs depend on factors like your current lifestyle, retirement goals, career breaks, and life expectancy. Untangle products accounts for most of these factors so you can plan realistically.

That's great! You can choose to explore either your own finances or household finances (combined income, savings, and expenses), depending on your personal goals and how you manage money as a household.Currently, the Untangle Self-Serve MINI is designed for a single person, but it can be adapted to accommodate two people. For guidance, check out our blog post on how to augment the MINI for couples https://www.untangle.money/post/how-to-use-untangle-mini-self-serve-with-a-partner-for-retirement-planning.It's also important to plan for the "hit by a bus" scenario: everyone in a relationship should have a plan for themselves and a combined plan for the household. This ensures both partners are prepared for any eventuality.

You only need to share what you're comfortable with. We focus on totals, not personally identifiable details. Other than your name and email, nothing is stored that could identify you. You can always adjust your inputs on your dashboard at the end.

We've worked hard to minimize the information we ask from you. Your data is never shared, sold, or used to generate revenue from our recommendations.In the Untangle Self-Serve MINI, we only access your numbers if it's necessary to help with a support issue.We take confidentiality seriously — your information is always secure and protected.View our Privacy Policy

Untangle MINI is based in Canada, but most financial principles are applicable internationally. We work with after-tax income and can adjust for many local differences where needed.For guidance, check out our blog post on how to augment the MINI for use in other countries https://www.untangle.money/post/how-to-use-untangle-mini-self-serve-if-you-live-outside-of-canada.

Untangle MINI uses conservative assumptions that reflect women's realities:Salary increases only with inflationInvestment returns based on typical womens' portfolios to startLonger life expectancyWe've also designed the tool to feel accessible and welcoming, using clear language and a friendly interface that makes exploring your finances less intimidating and easier to engage with.