> ## Documentation Index > Fetch the complete documentation index at: https://docs.hazel.ai/llms.txt > Use this file to discover all available pages before exploring further. # Module reference > All nineteen modules Hazel ships: what each adds, where it lands, and what a household's data needs for it to have something to say. You are deciding which topics a plan should treat on their own. All nineteen modules Hazel ships sit in the same four groups and order as the **Modules** tab of the plan design editor, where you add and remove them. **Where it lands by default** holds whatever you have selected on the canvas, since Hazel's own modules ignore your selection; only a module your firm wrote follows it. Five modules own a whole tab and carry a small **Tab** badge. **What it needs** is what the household's data has to hold for the module to say anything. Several also carry a leave-out condition, so a treatment with nothing behind it stays out rather than printing a blank table. ## Core planning | Module | What it adds | Where it lands by default | What it needs | | ----------------------------- | ----------------------------------------------------------------------------------- | -------------------------------------- | ---------------------------------------- | | **Net worth & balance sheet** | Assets, liabilities, the net-worth trend, and the account detail behind it | Today | Account balances, property values, debts | | **Cash flow** | Income, spending, monthly surplus, and a year-by-year cash-flow view | Its own Cash flow tab in Getting there | Income and spending detail | | **Emergency fund** | Months of essential spending covered today, against a target of three to six months | Cash flow tab | Spending detail and cash balances | | **Debt paydown** | Balances, rates, and a payoff order that puts balances above 6% APR first | Cash flow tab | Debts with balances and rates | | **Insurance** | Term life and disability coverage in place, the gaps, and the cost of closing them | Its own Insurance tab in Getting there | Policies in force, income, dependents | | **Goal funding** | One card per goal: funding status and progress toward the target | Goals | Stated goals with amounts and dates | ## Retirement & tax | Module | What it adds | Where it lands by default | What it needs | | ---------------------------------- | --------------------------------------------------------------------------------------------------- | --------------------------------------- | ------------------------------------------------------------------------ | | **Retirement** | Progress toward the retirement target, a range of outcomes, and readiness figures | Its own Retirement tab in Getting there | Retirement accounts, contributions, a target retirement date | | **Retirement income sequencing** | Which accounts fund spending, in what order, and where required withdrawals force the order | Retirement tab | Which accounts are taxable, tax-deferred or Roth, plus a spending target | | **Social Security optimization** | Claiming ages compared for each earner, with the lifetime trade-off | Retirement tab | Dates of birth, plus an earnings history or a benefit estimate | | **RMD calculation** | Required minimum distributions by year and account, with each earner's start year | Retirement tab | Tax-deferred balances and dates of birth | | **Roth conversion** | Year-by-year conversions with each year's bracket impact, following your firm's conversion strategy | Retirement tab | Tax-deferred balances and a current income and tax picture | | **Healthcare coverage estimation** | Coverage before 65, the move onto Medicare, and estimated annual costs | Retirement tab | Ages, retirement dates, coverage in force | ## Investments & analysis | Module | What it adds | Where it lands by default | What it needs | | ----------------------- | ------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------- | -------------------------------------------------------------- | | **Investments** | The current allocation against the target mix, and how that mix shifts over time | Its own Investments tab in Getting there | Holdings, and which accounts are taxable, tax-deferred or Roth | | **Equity compensation** | Vesting lanes for restricted stock, options and employee purchase plans, plus single-stock concentration against the target mix | Investments tab | Grant schedules and current share prices | | **Monte Carlo success** | One figure for the chance the plan holds up across many varied market futures | Summary | A goal with an amount and a date | ## Wealth transfer & legacy | Module | What it adds | Where it lands by default | What it needs | | ----------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------- | ----------------------------------------------------- | | **Education funding** | Funding targets against projected education costs, one card per child | Goals | An education goal, children's ages, savings set aside | | **Charitable giving** | A giving strategy sized to the household's tax picture: donor-advised funds, qualified charitable distributions, gifts of appreciated stock | Estate plan tab | A stated giving intention and appreciated holdings | | **Gifting & wealth transfer** | Annual gifting capacity, lifetime exemption use, and planned transfers to heirs | Estate plan tab | Net worth, named heirs, a stated intention | | **Estate plan** | Documents, beneficiaries and titling: what is current, what is missing, what to fix first | Its own Estate plan tab in Getting there | Estate documents and how accounts are titled | Adding a module whose home is not in your design creates that home: put **Roth conversion** into a design with no Retirement tab and the tab appears. Each card says where the add will land, and when a section module would fill a tab sitting there empty its button reads **Furnish the Retirement tab** instead of **Add to plan**. ## What the default plan design includes Hazel's default design carries eight modules: the six under Core planning, plus **Retirement** and **Monte Carlo success**. So a default plan has Cash flow, Insurance and Retirement tabs but no Investments or Estate plan tab. Adding every module is rarely right: a narrow module takes its topic over from the broader section that would otherwise cover it. [Modules](/guides/financial-planning/plan-design/modules) covers how to choose. Two numbers here are yours to change: the 6% APR line on **Debt paydown**, in that block's **Instructions to Hazel** field, and the probability at which a plan counts as on track, in [Solver assumptions](/guides/financial-planning/assumptions/solver-assumptions). ## How Hazel's personas differ Your firm's Planning settings arrive with three Hazel personas whose designs differ from the base template and from each other; [Default templates](/guides/financial-planning/settings/personas/default-templates) covers each in full. * **HENRY**, for high earners still building wealth, leaves out the standalone success figure: one goal's probability undersells a household juggling several. * **Pre-Retiree** leaves out debt paydown. * **Retiree / Decumulator** opens its Getting there tabs with retirement income sequencing and healthcare costs and drops the saving-phase treatments: no accumulation trajectory, no emergency fund, no debt paydown. ## Your firm's own modules Modules you create sit under **Your firm's modules**, with the name and description you gave them. Start from scratch or copy one of Hazel's. Write one as a tab with no blocks of its own and its card says Hazel will compose it from your instructions. ## Where to go next * [Modules](/guides/financial-planning/plan-design/modules): adding and removing them, and what absence means. * [Block settings](/guides/financial-planning/plan-design/block-settings): instructions and leave-out conditions on a module's pieces. * [Sections and tabs](/guides/financial-planning/plan-design/sections-and-tabs): how tabs sit inside Getting there. * [Visual reference](/guides/financial-planning/the-plan/visual-reference): the charts, tables and cards a module places. * [Where numbers come from](/guides/financial-planning/your-data/where-numbers-come-from): how these facts reach Hazel.