Dashboard
- Own
- Save
- Goal
What do you own?
Add at least one account or asset to start a projection. You can edit the details later.
What can you save?
Add monthly income and spending. $0, “No income”, or “I don’t know yet” is fine — we will label it.
What is your goal?
Add a target amount, pick how many years to project, or continue with none.
Load a sample
Or pick a sample:
Plan with clarity. Live with confidence.
Edit accounts
Edit income & spending
Assumptions behind this number
You're viewing a demo sample. Every field is editable — change any number to make it yours.
Net Worth Projection Today's dollars
Your projection will appear here
Add numbers above, or pick a full sample below.
Or explore a hypothetical scenario:
Asset Allocation Over Time
Your projection will appear here
Add your first asset or debt in to see your net worth over time.
Asset & Debt Allocation
- Monte Carlo — probability of success across simulated market paths
- Sequence of Returns — crash timing / early-retirement stress test
- FIRE SWR — safe withdrawal rate / FIRE number
- Compound interest — growth with contributions
- Loan amortization — payment breakdown and payoff
Assets
Income & spending
Goals
Advanced What-if, Monte Carlo, extra charts
Active Events
What-If Scenarios
Projection Detailed Breakdown
| Year | Net Worth | Growth | Events |
|---|
Portfolio Analysis & Insights
Add Assets & Debt
No Assets Yet
Add your first investment, bank account, or property to start your projection.
Add Income & Withdrawal
No Financial Events
Model your life changes like salary increases, major purchases, or retirement withdrawals.
Financial Goals
What matters most to you?
Set a goal that aligns with your life—retirement, a home, peace of mind, or giving back. We'll help you see when you're on track.
Advanced Simulations
Monte Carlo Simulation
See how market volatility impacts your projection. Choose how many potential futures to model. Each run uses your plan’s cash flows and the selected number of iterations.
The 10th and 90th percentiles bound the middle 80% of simulated outcomes, not the worst and best possibilities. Results depend on the model assumptions and are not guarantees.
How to interpret this simulation
The simulation uses the dashboard’s annual cash-flow rules. Goal success means the balance meets the target at its deadline, not that every expense was funded.
Each asset receives independent normally distributed return shocks each year, capped at a 100% loss. Cross-asset correlations are not modeled. Debt interest remains fixed. Percentiles describe net worth at each annual checkpoint.
Sequence of Returns Risk
What if a crash happens exactly when you stop working or start a new phase?
FIRE SWR Analyzer
Enter your target expenses to find your 'FI Number' and projection date.
Compound Interest Calculator
Calculate growth for a single scenario without affecting your main plan.
Total Interest: $0
Loan Amortization
Calculate monthly payments and see how much interest you'll pay over time.
Total Interest: $0
Total Cost: $0
| Year | Principal | Interest | Remaining |
|---|
Standalone calculators
Quick-start landing pages with live widgets. Each calculates on-page before opening the full projector.
Export & Sharing
Projection Data
Download your full projection timeline.
Plan backup
Download or restore this plan as a JSON file. This is a full backup of the current named plan.
Saved in this browser only (not synced)
Share Link
We’ll explain what financial details the link includes before it is copied.
Named plans
Samples and duplicates are saved separately. Open one to recover earlier work.
Calculator
Type an expression, add = for result. Tap a number to edit it. Auto-saved.
| Operation | Meaning | Example |
|---|---|---|
+ | Add | 100+50= |
− | Subtract | 100−25= |
* | Multiply | 5*5= |
/ | Divide | 100/4= |
^ | Power | 2^10= |
( ) | Group first | (2+3)*4= |
Advanced (financial)
Legend: P principal r rate (0.05 = 5%) n periods FV future value PV present value PMT payment per period
| Function | What it does | Example |
|---|---|---|
compound(P,r,n) |
How much P becomes after n periods at rate r | compound(1000,0.05,10)= |
pv(FV,r,n) |
Amount needed today to have FV in n periods | pv(2000,0.05,10)= |
rate(FV,PV,n) |
Growth rate that turned PV into FV over n periods | rate(2000,1000,10)= |
pmt(PV,r,n) |
Payment per period to pay off a loan of PV at rate r over n periods | pmt(100000,0.005,360)= |
nper(r,PMT,PV) |
Number of periods to pay off loan PV with payment PMT at rate r | nper(0.005,600,100000)= |
fva(PMT,r,n) |
Future value of n equal payments PMT at rate r (savings goal) | fva(500,0.05,20)= |
pva(PMT,r,n) |
Present value of n equal payments PMT at rate r (annuity worth today) | pva(1000,0.05,10)= |
User Guide
Getting started
- The calculator starts blank — nothing is soft-loaded when you open the app.
- On a blank Dashboard you will see a short activation strip:
- What do you own?
- What can you save?
- What is your goal?
- …or load a sample from the chips in that same strip to see a full chart in one click. Samples open as separate named plans, so trying one keeps the plan you were already editing. Product banner copy after load: You're viewing a demo sample. Every field is editable — change any number to make it yours. (Dismiss on that banner too.)
- Tap Dismiss to hide the strip when you do not need it. (On mobile the strip uses a compact darker treatment; the first look stays Own → Save → Goal.)
- After you finish Own → Save → Goal or tap Skip to full app, three quick-start actions remain: Add asset/debt, Add income/expense, and Add goal. The full dashboard (extra events, transfers, extra charts) appears after a meaningful projection exists.
- Samples do not wipe the current plan. Switch back from Saved plans in the header or Export/Share. Hypothetical examples only — not advice.
Want highlight tips again later? Use Enable Onboarding Tips below.
Dashboard
- View your current net worth and projected future wealth
- See your asset allocation breakdown at a glance
- Use "What-If" sliders to instantly see how market performance or extra savings impact your future wealth
- Track your financial progress with interactive charts
Add Assets/Debt
- Track stocks, real estate, cash, bonds, and more
- For Debt, set your interest rate and monthly payment to see exactly when you'll be debt-free
- Each asset can have its own return rate and target allocation
- Automatically rebalance your portfolio to match target allocations
Add Income/Withdrawal
- Model life changes like a new job, salary increases, or bonuses
- Set Recurring events with specific start/end dates
- Withdraw a Percentage (%) of your balance for retirement or major purchases
- Plan for one-time expenses or income events
Financial Goals
- Set targets for retirement, home down payment, or emergency fund
- Track your progress with visual indicators
- See if you're On Track based on your current projections and target years
- Adjust your plan to meet your goals faster
Export/Share
- Download your data as Excel/CSV for your records
- Generate a Share Link to save or send your projection
- All data is stored locally in your browser for total privacy
- Your financial information never leaves your device
Advanced Simulations
- Monte Carlo: See probability of success across 100–1,000 simulated market paths (parametric — around the expected return you enter)
- Sequence of Returns: Test how market crash timing affects your retirement
- FIRE SWR: Find your Financial Independence date using safe withdrawal rates
- Compound Interest: Quick growth estimates for any investment
- Loan Amortization: See your payment breakdown and payoff timeline
Keyboard Shortcuts
- Alt + A: Add new asset/debt
- Ctrl + E: Add new income/event
- Ctrl + G: Add new financial goal
- Esc: Close any open modal
Privacy: Your data never leaves your device - everything is stored locally in your browser.
Profile
- View and manage your account information
- Reset your password if needed
- Delete your account and all associated data
- Access your profile settings anytime
Onboarding Guide
Need a refresher on how to use the app? You can re-enable the step-by-step onboarding tips and highlights here.
Mindset
This tool is here to give you clarity, not to add worry. Use it to see your path and plan with confidence. Progress over perfection—every step you take counts.
Profile
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Account Information
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