DRAFT — This document is provided as a placeholder pending legal review before public launch.

Methodology Overview

Spring Labs, Inc. • Effective date: TODO (Legal Review)

This overview explains, in plain terms, how Spring's educational planning tools produce the forecasts you see. It is intended for transparency and is not advice. See our Financial Planning Disclaimer.

1. How a plan is built

You describe a goal — for example, funding education — including a target amount and a target date. Spring models your current savings and planned contributions forward to that date to estimate whether the goal is on track.

2. Investment-return assumptions

Projected growth uses illustrative return assumptions derived from long-run historical results for a diversified, age-adjusted allocation (a "glide path" that becomes more conservative as the target date approaches). These assumptions are illustrative and are not predictions of future returns.

3. Confidence

Because the future is uncertain, Spring expresses results as a confidence level rather than a single guaranteed number. Confidence reflects how a range of modeled outcomes compares to your goal under the assumptions shown. It is a planning aid, not a probability of any specific real-world result.

4. Education assumptions

For education goals, Spring models savings as invested in an age-adjusted, state-sponsored 529 plan and models withdrawals around the academic calendar. Cost projections apply education-cost inflation to the target you set. TODO (Legal Review): confirm the level of methodology detail appropriate to publish.

5. Limitations

Every forecast is illustrative and depends on assumptions that will not match the future exactly. Spring does not account for every factor that may affect your results, and it does not provide individualized advice.

6. Updates

We may refine this methodology over time. TODO (Legal Review): confirm change-notification approach.

Questions about this document? Use our Contact Us form. You can also reach us at support@springfinance.io. See also our Terms of Service, Privacy Policy, Financial Planning Disclaimer, and Methodology Overview.