Download CSV from your brokerage account and drop it here
F
Fidelity
Positions or Transaction CSV
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V
Vanguard
Transaction History CSV
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S
Charles Schwab
Positions CSV
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E
E*TRADE
Portfolio Positions XLSX or CSV
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M
Merrill Edge
Holdings CSV
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IB
Interactive Brokers
Activity Statement CSV
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+
Other Brokerage
Any CSV with holdings data
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ℹ️Your data never leaves your device. All calculations run locally in your browser. Fidelity: Accounts & Trade → Positions → Download. Vanguard: My Accounts → Transaction History → Download CSV. E*TRADE: Accounts → Portfolio → Download. Merrill Edge: Accounts → Holdings → Download. Interactive Brokers: Reports → Statements → Activity → Download CSV.
Add Assets Manually
Enter any asset — real estate, bonds, crypto, cash, or any holding
All Holdings
Asset
Account
Type
Tax Type
Source
Shares / Units
Price
Current Value
Cost Basis
Gain / Loss
Asset Allocation
Breakdown by asset type
$0
Total
Portfolio Analysis
Risk metrics, diversification, and performance insights
📊
No Portfolio Data Yet
Add holdings in the Portfolio tab to see analysis
Portfolio Risk
—
Diversification
—
Est. Annual Return
—
blended estimate
Est. Volatility (σ)
—
annualized std dev
Allocation by Type
How your wealth is distributed
Concentration Risk
Top holdings as % of portfolio
Allocation Glide Path
Suggested asset mix by retirement phase — where you are and where to head
(negative = already retired)
Return & Volatility Assumptions
Edit any row — changes apply instantly to all Monte Carlo simulations
Asset Class
Expected Annual Return (%)
Volatility / σ (%)
Your Allocation
Weighted Return
ℹ️Defaults are long-term historical averages. Your edits persist for the session and apply to all simulations. Reset restores historical values. Not financial advice.
Retirement
Calculate your number and simulate your path to get there
🎯
No Portfolio Data Yet
Add holdings in the Portfolio tab to run projections
Your True Number
The portfolio size needed to fund your lifestyle with 85%+ Monte Carlo success
Monthly Spending ($)
Annual Spending ($)
Current Age
Retirement Age
Life Expectancy (age)
Annual Savings ($)
Pension/Other ($/yr)
Inflation Rate (%)
Success Target (%)
Social Security
Primary FRA Age
Primary Benefit at FRA ($/mo)
Primary Claim Age
Spouse FRA Age
Spouse Benefit at FRA ($/mo)
Spouse Claim Age
Path to Retirement
Simulate your portfolio growth from today to retirement age
Current Age
Retirement Age
Annual Contribution ($)
Inflation Rate (%)
Simulations
Path to Retirement
Range of outcomes across all simulations
Probability Analysis
Likelihood of reaching key milestones
Withdrawal Strategy
How long will your portfolio last? Safe withdrawal rate analysis.
💰
No Portfolio Data Yet
Add holdings in the Portfolio tab to model withdrawals
Withdrawal Plan
Set your spending, income sources, and time horizon
Starting Portfolio ($)
Annual Budget ($) total spending
Other Annual Income ($)
Annual Withdrawal ($) auto
Withdrawal Rate (%) auto
Time Horizon (years)
Inflation Rate (%)
Portfolio Longevity
Median, optimistic, and pessimistic paths
Safe Withdrawal Rate Analysis
Probability of not running out at various rates
Withdrawal Scenarios
Impact of adjusting your annual withdrawal
Withdrawal Strategy Stress Test
Compare fixed, variable, and adaptive strategies under the same market simulations
Sequence-of-Returns Risk
How a bad early sequence affects your plan
Purchasing Power Over Time
Real value of your withdrawal after inflation
Scenario Analysis
Stress test your portfolio against market conditions
🔬
No Portfolio Data Yet
Add holdings in the Portfolio tab to run scenario tests
Target Allocation Rebalancer
Set target percentages and see rebalancing trades needed
Break-Even Analysis
Return needed to reach target portfolio values
Social Security
Optimize your claiming strategy to maximize lifetime benefits
Your Information
Enter ages, benefit estimates, and income details to model your claiming strategy
Primary Earner
Current Age
Full Retirement Age
Monthly Benefit at FRA ($)
Life Expectancy
Spouse (Optional)
Spouse Current Age
Spouse FRA
Spouse Monthly Benefit at FRA ($)
Spouse Life Expectancy
Additional Inputs (Optional)
Tax Filing Status
Other Annual Retirement Income ($)
Annual Earned Income if Claiming Early ($)
Assumptions
Investment Return Rate (%)
Annual return on early benefits if invested. Set to 0 for simple nominal comparison. SS COLA adjustments apply equally to all claiming ages and don't affect relative break-evens.
Your Claiming Options
Monthly benefit and break-even by claiming age
Claim Age
Monthly
Annual
vs FRA
Break-Even vs 62
Spouse Claiming Options
Monthly benefit and break-even by claiming age
Claim Age
Monthly
Annual
vs FRA
Break-Even vs 62
Cumulative Lifetime Benefits
Total benefits received by age — claim at 62 vs FRA vs 70
Household Strategy Comparison
Total combined lifetime benefits for different claiming strategies
Recommendations & Insights
Optimal Claiming Age
Lifetime benefit at your life expectancy for each claiming age
Benefit Taxation
Estimated taxable portion by claiming age
Earnings Test
Net benefit if you claim early while still working
Portfolio Bridge to Delay
Total SS foregone by delaying — and what it costs relative to your portfolio
WEP / GPO Notice
Roth Conversion Ladder
Design a multi-year Roth conversion strategy to minimize lifetime taxes and RMDs
Conversion Parameters
Configure your balances, tax brackets, and conversion target to design the optimal ladder
Traditional IRA / 401k ($)
Current Roth Balance ($)
Current Age
Retirement Age
Life Expectancy (age)
Filing Status
Current Tax Bracket
Expected Retirement Bracket
Other Annual Income ($)
Target Convert-to Bracket
Portfolio Return (%)
Early Retirement Spend ($/yr)
Annual Bracket Fill
How conversions use available bracket space each year
Conversion Ladder
Year-by-year traditional → Roth conversions, tax cost, and 5-year accessibility
RMD Projection
Required minimum distributions at age 73+ with and without conversions
Strategy Comparison
No conversion vs bracket-fill vs aggressive conversion
Healthcare Bridge
Pre-Medicare funding plan from now until age 65
Coverage Parameters
Configure your household size, plan type, income, and HSA to build your bridge plan
Current Age
Household Size
Plan Type
Annual Income (MAGI $)
HSA-Eligible Plan?
Current HSA Balance ($)
Inflation (%)
Year-by-Year Plan
Premiums, subsidies, and HSA accumulation from now to Medicare
Subsidy Optimizer
How income level affects your annual subsidy
Income Strategy
Recommendations for managing MAGI to maximize subsidies