Every asset card in your portfolio follows a set of simulation rules. Below you'll find exactly how each asset type behaves month-by-month — so you can build scenarios with confidence, not guesswork.
Your largest asset deserves the sharpest model. The simulator tracks your home's market value month over month, applying your chosen annual return rate as steady appreciation (or depreciation). When it's time to sell, the engine handles the tax math so you don't have to.
Rule 1Your home's value compounds monthly at 1/12 of the annual return rate, giving you a realistic appreciation curve over time.
Rule 2Property tax is calculated using the annual tax rate you set, deducted monthly, and tracked as a separate expense metric so you can see exactly where your money goes.
Rule 3Carrying costs — maintenance (percentage of home value) and insurance (fixed annual cost) — are computed monthly and debited from your first expensable account, or from the funding account specified via fund transfers.
Rule 4When you sell, capital gains are computed against your cost basis — with the primary residence exclusion applied automatically if you've owned for more than 24 months. The exclusion follows your filing status: $250,000 filing Single, $500,000 filing jointly. Unlike every other figure in the tax tables it is never indexed for inflation, because IRC §121 has not moved it since 1997 — so a long-held home is progressively less sheltered the further out you project.
🏦
Mortgage
A proper amortization schedule — not a rough estimate. Enter your remaining balance, rate, and months left (check your statement), and the simulator builds your payment plan down to the penny.
Rule 1Monthly payments are calculated using the standard amortization formula, splitting each payment into principal and interest so you can watch your equity grow.
Rule 2The simulator tracks your months remaining and automatically closes the mortgage when the balance reaches zero — no manual cleanup needed. This works even if no finish date is set; the mortgage closes implicitly when fully amortized.
Rule 3Mortgage interest is tracked as a deductible expense, giving you visibility into one of your largest annual tax write-offs.
💰
Monthly Salary
Income is the engine of your financial plan. The simulator credits your paycheck on the first of the month and handles withholding, so what flows into your accounts is the real take-home number.
Rule 1Your gross income is credited on day 1 of each month. At year-end the full annual return rate is applied once as a raise — unlike balances and expenses, which compound at 1/12 of their rate every month, a salary steps up once a year the way a real one does.
Rule 2FICA and Medicare are withheld automatically from each paycheck, so fund transfers downstream reflect your actual net income — not your gross.
Rule 3Estimated federal income tax withholding is computed from your filing status and tax bracket, keeping your simulation aligned with real-world payroll.
📉
Monthly Expense
Bills don't stay flat — and neither does your simulation. Expenses grow with inflation so you can stress-test whether your plan holds up in 10, 20, or 30 years.
Rule 1Expenses are debited at the end of each month, after all income and transfers have settled — mirroring how bills work in real life.
Rule 2Starting from month two, 1/12 of the annual return rate is applied at the beginning of each month as inflation — your $500 grocery bill today won't be $500 in a decade.
Rule 3Unlike salary (which compounds yearly), expense inflation compounds monthly — a subtle but meaningful difference over long horizons.
🏛️✨
Retirement Accounts
401(k) · IRA · Roth
Three flavors, one goal. Whether you're deferring taxes now, paying them later, or never — the simulator enforces IRS contribution limits and withdrawal rules so your projections stay realistic.
Rule 1Annual contribution limits are enforced against a household total. Filing Single: $24,500 for 401(k) ($32,500 if 50+) and $7,500 for IRA/Roth ($8,600 if 50+). Filing jointly, each figure is doubled — $49,000 and $65,000 for 401(k), $15,000 and $17,200 for IRA/Roth. Limits start from the 2026 figures and are indexed forward by your inflation rate each simulated year. Contributions are sourced from linked income via fund transfers; anything over the cap stays in the source account and is reported as a Contribution capped note.
Rule 2Required Minimum Distributions follow SECURE Act 2.0 rules: age 72 if born before 1951, age 73 if born 1951–1959, age 75 if born 1960 or later. The simulator uses the IRS Uniform Lifetime Table to calculate your annual RMD automatically.
Rule 3Tax treatment follows real-world rules: 401(k) and IRA withdrawals are taxed as ordinary income, while Roth distributions are tax-free — a powerful lever in your retirement planning.
Rule 410% federal tax is withheld at the source of every traditional IRA or 401(k) distribution, mirroring the custodian default when no election is filed. The draw is grossed up, so a $1,000 transfer still delivers $1,000 and an extra $111 leaves the account as withholding. Roth is excluded — the test is whether the account is tax-deferred, not whether it is a retirement account. If the account is empty, the withholding is re-sourced from your funding accounts; it is never skipped.
Rule 5Withholding governs where the cash comes from, not what you owe. The monthly and annual true-ups reconcile over- and under-withholding in both directions, so the household's total tax is the same either way — and a refund is credited back rather than dropped.
📊
Brokerage Account
Your taxable investment account — flexible, liquid, and tax-aware. The simulator tracks your cost basis and holding period so capital gains are classified correctly when you withdraw.
Rule 1Growth compounds monthly at 1/12 of the annual return rate. Your cost basis is tracked separately, so gains are always measured against what you actually invested.
Rule 2On withdrawal, basis is reduced proportionally — not dollar-for-dollar — so your realized gain reflects the correct share of appreciation.
Rule 3Capital gains are classified as long-term (held 12+ months) or short-term, each taxed at their respective rates — because timing matters.
💵
Cash
In your wallet, your checking account, or under the mattress. Cash is king for liquidity — but unless you're in a deflationary spiral, it's your worst-performing asset class over time.
Rule 1If you assign an annual return rate, interest accrues monthly and is treated as ordinary income for tax purposes.
Rule 2No cost basis is tracked — every dollar withdrawn is a dollar, making cash the simplest asset type in the simulator.
Rule 3Cash is the default destination for fund transfers and acts as your portfolio's liquidity buffer between income and expenses.
🐖
Savings
High-yield savings accounts and certificates of deposit. A safe harbor for your emergency fund or short-term goals, with predictable returns and no market risk.
Rule 1Interest accrues monthly at 1/12 of the annual return rate and is classified as ordinary income.
Rule 2Behaves identically to cash in terms of tax treatment, but gives you a dedicated card to model different rates for different buckets of safe money.
💳
Debt
Credit cards, auto loans, student debt — anything with a balance and a rate. You set the payoff timeline, and the simulator builds the amortization schedule around it.
Rule 1Uses the same amortization formula as a mortgage, splitting each payment into principal and interest based on your rate and payoff period.
Rule 2You control the months-to-payoff — want to see what happens if you pay off that credit card in 12 months instead of 36? Change one number.
Rule 3Once the balance reaches zero, interest stops accruing — the debt stays open (like a line of credit at $0) but doesn't generate reverse interest. Mortgages automatically close when fully amortized.
🇺🇸
US Treasury
Bills, notes, and bonds backed by the full faith and credit of the United States government. The benchmark for risk-free returns — and a cornerstone of conservative portfolios.
Rule 1Interest income accrues monthly via the annual return rate and is taxed as ordinary income at the federal level.
Rule 2The principal value stays flat — no price appreciation or depreciation is modeled, keeping the simulation focused on coupon income.
Rule 3Interest income flows into your annual tax computation, so you can see how treasuries affect your overall bracket and liability.
🏢
Corporate Bond
Higher coupons, higher risk. Corporate bonds let you model the yield premium you earn for lending to companies instead of the government — and the simulator treats the income accordingly.
Rule 1Interest accrues monthly at 1/12 of the annual return rate, just like treasuries — but typically at a higher coupon to reflect credit risk.
Rule 2All coupon income is taxed as ordinary income — no preferential capital gains treatment here.
Rule 3Like treasuries, no price appreciation is modeled — the focus is on predictable income, not speculative gains.
Fund Transfers
Money doesn't sit still — it flows. Fund transfers let you wire a percentage of one asset's value into another on a schedule you control. Pair your salary with your 401(k), your brokerage with your cash reserves, or set up a one-time sweep when an asset closes.
Recurring Transfers
Set a monthly percentage of the source asset's value to move each month into the target account.
On-Close Transfers
When an asset reaches its finish date, a separate close percentage sweeps the remaining value into the target account automatically.
System Transfers
Mortgage payments, property tax, maintenance, insurance and tax settlements are automatically debited from your funding accounts. These implicit flows appear in the Flows view alongside your configured transfers.
Funding Backstop
When no transfer you configured covers an obligation, the engine falls back to your everyday accounts in a fixed order — Cash → Savings → Taxable Account → US Treasury → Corporate Bond — and the first one holding a positive balance pays. Retirement accounts are never chosen automatically at any age: spending a 401(k), IRA or Roth has tax and penalty consequences the simulator will not decide for you. If nothing is eligible, the payment is recorded as Unfunded rather than quietly skipped.
Flow Pipelines
Switch to the Flows view in Your Portfolio to see all money movement organized as pipelines — grouped by source (Income, Capital, Retirement) showing where each dollar goes.
Rebalance Engine
Capital-to-capital, capital-to-retirement, and retirement-to-capital transfers run on day 1 of each month after the payroll pipeline completes. This means salary deposits and 401(k) contributions are settled before rebalancing pulls from accounts. Roth conversions, early mortgage payoff, and savings → brokerage sweeps all route through here, with realized gains picked up automatically by the monthly tax true-up.
Metrics
Every asset tracks a rich set of metrics each month — balances, flows, taxes, and returns. Four of them are pinned so they always appear first wherever you cycle metrics (timeline, projections, visualizer, asset cards).
💰 Value
The asset's balance at the end of the month — the canonical "how much is this worth right now" number. Snapshotted from finishCurrency on the last day of each month.
📊 Net Worth Change (derived)
Month-over-month change in Value: value[i] − value[i−1]. Captures the combined effect of growth and cash flow in a single number — so you can immediately see when negative cash flow is consuming your growth. Computed on demand from the Value history, no separate storage.
📈 Growth
Appreciation earned through the annual return rate, compounded monthly at 1/12 of ARR. Does not include deposits or withdrawals — pure market return.
💸 Cash Flow
Net of all deposits and withdrawals for the month — contributions, distributions, transfers in and out. Positive when money is flowing into the asset, negative when it's flowing out.
Why track Net Worth Change? Growth alone is misleading during retirement — a portfolio can grow 6% while withdrawals drain 8%, leaving you poorer. Net Worth Change is the honest bottom line: did my wealth actually go up or down this month?
Tax Rates
The IRS is the source of truth — and so is this simulator. Every run is built from the 2026 federal tables, selected by your filing status: income brackets, capital gains bands, the standard deduction, the Social Security wage base, and the retirement contribution limits.
From the second simulated year onward, all of those figures are indexed forward by your inflation rate — brackets widen, the deduction rises, the wage base climbs. That keeps a 30-year projection from quietly pushing you into the top bracket through inflation alone. The single exception is the primary-home sale exclusion, held fixed at $250,000 / $500,000 by statute. Here are the publications we reference:
Set Filing As in the Settings Row at the top of the page and the whole tax model moves with it. Filing jointly is not a discount applied at the end — it selects a different table at every point where tax is computed.
What changes
Income brackets, capital gains bands, the standard deduction, the primary-home sale exclusion, and the 401(k) and IRA contribution allowances all switch to their joint figures.
Household, not per-person
The simulation models one household, not two individuals. Contribution limits are enforced against a household total, so a married plan gets two 401(k) allowances between all its income assets — not one each, tracked separately.
Two incomes, one plan
Model a second earner by adding a second Monthly Salary asset. The joint Quick Start profiles do exactly this — Salary A and Salary B, each with its own rate and retirement date.
Quick Start follows your status
The welcome banner offers the four profiles that match your filing status — Early Career, Mid Career, Pre-Retirement and Retired for Single; Young Couple, Dual Income Couple, Couple Nearing Retirement and Retired Couple for joint filers.
Known limitThe Social Security wage base is shared across a married household rather than granted per spouse. Two high earners who would each get their own cap therefore stop paying Social Security tax earlier than they really would, overstating take-home pay. This bites only when combined wages clear the cap; everything else about joint filing is modelled per the tables.
🧓
Retirement Income
Social Security · Annuities
The income that kicks in when the paychecks stop. Model Social Security benefits or any recurring income stream that starts at a future date — so your retirement projections don't pretend you're living on air.
Rule 1Income is credited monthly starting on the asset's start date — perfect for modeling a Social Security benefit that begins at 62, 67, or 70.
Rule 2An optional annual return rate applies cost-of-living adjustments (COLA) at year-end, so your benefit keeps pace with inflation over a 30-year retirement.
Rule 3Retirement income is taxed as ordinary income but is exempt from FICA and Medicare — a benefit is not wages.
Rule 4Social Security withholds nothing by default, and that is a modelling choice rather than an omission. Form W-4V is elective — most recipients never file one — so withholding by default would model a decision your household never made. The tax is still owed; it is settled from your funding accounts at the monthly and annual true-ups.
Rule 5Social Security is included in taxable income at a flat 85%. The real rule steps 0%, 50% and 85% against provisional-income thresholds, so a household with modest other income is taxed more here than it would be in practice.
🏛️
Pension
FERS · CSRS · Military · State/Local
Model defined-benefit pension payments separately from Social Security. Pensions have their own COLA schedule and are kept distinct so future tax treatment differences (MAGI thresholds, the Social Security 85% rule) can be modeled accurately.
Rule 1Monthly pension income is credited starting on the asset's start date, just like Retirement Income.
Rule 2The annual return rate applies COLA adjustments (e.g. FERS 2% cap) — separate from Social Security COLA.
Rule 3Pension income is taxed as ordinary income but is exempt from FICA. No contributions or RMDs apply.
Rule 410% federal tax is withheld on arrival, standing in for the Form W-4P default of withholding on periodic payments unless you elect otherwise. A pension is a flow with no balance to debit, so the withholding reduces what it pays out — the deposits you see are net of tax. The year-end true-up refunds any excess.
🔄
Life Events & Phases
Your financial life isn't one long straight line — it's a series of phases. During accumulation, your salary flows into 401(k)s and brokerage accounts. In retirement, the flow reverses: Social Security and retirement account drawdowns fund your living expenses. Life Events capture these transitions and automatically rewire your portfolio when each phase begins.
🟢 Accumulate Phase
The earning years. Income flows into savings, investments, and retirement accounts. Fund transfers route your salary to 401(k), Roth IRA, and brokerage based on the percentages you set for this phase.
🟠 Retire Phase
The drawdown years. Salary closes automatically. Social Security begins. Fund transfers flip: retirement accounts and brokerage now fund your living expenses — all configured independently from the accumulation phase.
Phase TransfersEach life event owns its own set of fund transfers. When you configure "Salary → 5% to 401(k)" in Accumulate and "401(k) → 40% to Living Expenses" in Retire, the simulator automatically switches between them at the transition age you set.
Asset ClosingLife events can close assets when a phase begins. When Retire triggers, Salary automatically closes — its on-close transfers fire, and the asset stops producing income. No manual intervention needed.
Color-Coded TimelineThe interactive timeline shows each phase as a colored segment — green for Accumulate, coral for Retire. Click any phase dot to jump to that date. The "You are Here" indicator, year/month selectors, and viewing badges all reflect the current phase's color.
Age-DrivenPhases are triggered by age, not fixed dates. Set your Current Age, Retirement Age, and Finish Age in the global settings, and the entire timeline — phase boundaries, asset start/end dates, and fund transfer activation — adapts automatically.
Why it mattersWithout phases, you'd need separate portfolios for "working" and "retired." Life Events let you model your entire financial arc — from first paycheck to last withdrawal — in a single simulation, with fund transfers that adapt to each chapter of your life.
🔍
Why It Did That
A number you can't explain is a number you can't trust. Two surfaces report what the rules on this page actually did to your plan — one for the plan as a whole, one for a single asset. Both are derived from events the engine recorded while running, never recomputed afterwards, so what they say is what happened.
⚠️ What needs attention
A panel above your asset list, grouped into 💸 Paying for the plan and 🔧 Needs setting up. It catches the month the plan runs out of money, obligations nothing could pay, accounts that ran dry and were covered by the next one down, contributions that hit the annual limit, and required distributions that were not met.
📖 Rule notes on an asset
Open any asset card to read its metrics over this month, this year and life to date, with plain-language notes explaining the rules that fired on it — why a Roth paid no tax, where the tax on untaxed income was actually settled, what was withheld from a pension, why a contribution was capped.
Depletion is not an alarmA retiree's accounts are supposed to draw down — that is the scenario being modelled, not a fault. Nothing fires on a zero balance alone. The ⚠️ on a card means an obligation that could not be paid, which is a different and much rarer thing.
Silence is the contractA false “you could not pay your mortgage” is worse than saying nothing at all. Every check is built to stay quiet unless the engine actually recorded the failure it is describing.
Engine diagnosticsA third category, 🧪 Engine diagnostics, reports where the simulation's own bookkeeping does not reconcile. It is hidden unless you enable it in Globals — those are notes about the engine, not about your finances.
What This Engine Does Not Model
Knowing where a model stops is part of reading it. These are deliberate, verified gaps — each one makes your projection optimistic or pessimistic in a specific, nameable direction.
No early-withdrawal penalty
The 10% additional tax on distributions before age 59½ is not charged, and the engine has no concept of that age. A plan that retires early and draws a 401(k) or IRA will look better than it would be. Optimistic.
No state or local income tax
Federal only. Property tax is modelled; state income tax, local tax and state-specific retirement-income exemptions are not. Optimistic in most states.
Social Security taxed at a flat 85%
The provisional-income thresholds that step the taxable share through 0% and 50% are not implemented. Pessimistic for households with modest other income.
Monthly compounding is rate ÷ 12
A stated 8.5% return compounds to about 8.84% realized, because a twelfth of the annual rate is applied each month rather than the twelfth root. Over 30 years that ends a plan meaningfully richer than the rate you typed. Optimistic.
One Social Security wage base per household
Married filers share a single cap instead of one each, so two high earners stop paying Social Security tax earlier than they would. Optimistic above the cap.
No RMD penalty
A required minimum distribution that goes unmet is reported in “What needs attention”, but the excise tax a real shortfall would incur is not charged. Optimistic.
Projections & Analysis
A single projection is a starting point — not the whole story. The simulator gives you several ways to interrogate your financial future, from a deterministic baseline to full stochastic analysis and AI-driven optimization.
📈 Value Projections
Your deterministic baseline — a line chart of any metric across every asset, month by month, for the full simulation horizon.
🎲 Monte Carlo
1,000 stochastic simulations with percentile bands. See below for the full story.
🛡️ Guardrails
Dynamic withdrawal rules that adapt spending to market reality. Details below.
📋 Spreadsheet
A detailed monthly data table across all metrics and assets — for when you want the raw numbers, not the chart.
🧾 Credit Memos
A complete audit trail of every transaction — every credit, debit, and transfer, with timestamps and descriptions.
📊 30+ Metrics
Track value, growth, income, dividends, capital gains, taxes, RMDs, contributions, distributions, cash flow, and more.
🎲
Monte Carlo Simulation
Your financial plan doesn't live in a world of fixed returns — so why should your projections? Monte Carlo simulation runs your portfolio through 1,000 randomized trials, each drawing from real historical market data, to show you the range of outcomes your plan might actually produce.
Correlated Year Sampling
Each trial picks a single historical year for all asset classes — S&P 500, treasury yields, CPI, and wage growth move together, preserving the real-world correlations that matter.
Percentile Bands
Results are summarized as 10th, 25th, 50th, 75th, and 90th percentile envelopes, with your deterministic baseline overlaid — so you can see the best case, the worst case, and everything in between.
Optional Guardrails
Toggle "With Guardrails" to re-run all 1,000 simulations with dynamic withdrawal adjustments active — and see how adaptive spending changes the shape of your outcomes.
Historical Data Foundation
Draws from the same FRED dataset as backtesting (1970–2025), so every random trial is grounded in decades of actual economic history — not fabricated distributions.
Why it mattersA single projection tells you what happens if everything goes exactly as planned. Monte Carlo tells you how likely that plan is to survive — and what to expect when it doesn't.
🛡️
Guyton-Klinger Guardrails
The 4% rule is a starting point — not a strategy. Guyton-Klinger guardrails give your retirement withdrawals an adaptive immune system: when markets drop, spending tightens automatically; when markets soar, you get a raise. The result is a plan that bends with reality instead of breaking against it.
Initial Withdrawal Rate
Your starting withdrawal as a percentage of portfolio value. This sets the baseline — guardrails adjust it from here.
Preservation Band
If your current withdrawal rate drifts above the initial rate by this margin, spending is cut — protecting your portfolio from depletion in down markets.
Prosperity Band
If your current withdrawal rate drifts below the initial rate by this margin, spending increases — so you actually enjoy the upside when markets deliver.
Adjustment Amount
The percentage by which withdrawals are raised or lowered when a guardrail is triggered — controlling how aggressively the system responds.
Dual-axis chartThe guardrails projection plots portfolio value and withdrawal amounts on separate axes, with event markers showing exactly when and why each adjustment fired.
Per-scenarioGuardrail parameters are saved per portfolio scenario, so you can compare conservative vs. aggressive withdrawal strategies side by side.
🕰️
Historical Backtesting
What if you could run your portfolio through actual market history? Backtesting replaces your user-provided rates with real historical data and advances year by year through the simulation — so you can see how your plan would have performed from any starting year between 1970 and 2025.
S&P 500 Annual Returns
Applied to equity accounts — Brokerage, 401(k), IRA, and Roth IRA — so your investments track actual market performance.
10-Year Treasury Rates
Applied to US Treasury bonds, reflecting the real yield environment for each historical year.
CPI Inflation
Applied to monthly expenses, so your cost of living grows at the actual inflation rate — not a static estimate.
Nominal Wage Growth
Applied to monthly income, so your salary tracks real historical wage growth year over year.
NoteHistorical data covers 1970–2025, sourced from FRED (Federal Reserve Economic Data). Once the simulation advances past the available historical years, your user-provided rates automatically resume for the remainder of the projection.
🔮
Maximizer
Genetic Algorithm Optimizer
Stop guessing your fund transfer percentages and withdrawal parameters. The Maximizer uses a genetic algorithm — inspired by natural selection — to evolve the best combination of fund allocations and guardrail settings for your specific portfolio. It runs directly inside the Maximizer section, updating the chart in real time as it discovers better solutions.
Spending ↔ Terminal Value Selector
A row of discrete notches lets you set the optimization objective. All the way left maximizes lifetime cash flow (spending in retirement). All the way right maximizes ending portfolio value (wealth preservation). Pick any point in between for a blended goal.
Evolvable Guardrail Genes
The optimizer doesn't just tune fund transfers — it also evolves your guardrail parameters (withdrawal rate, preservation, prosperity, adjustment) within realistic ranges to find the sweet spot for your chosen objective.
Phase-Aware Optimization
The chromosome encodes fund transfers grouped by life event phase. Accumulate-phase allocations are evolved independently from retire-phase allocations, and only assets active during a phase are included — Social Security won't appear in accumulation genes.
Real-Time Chart Updates
Watch the portfolio projection chart update live as the optimizer discovers better solutions. The generation counter, fitness status, and best terminal value are displayed below the chart throughout the run.
Real-World Constraints
A truly useful optimizer can't just chase math — it has to respect reality. The Maximizer enforces three tiers of constraints so its recommendations are actionable, not theoretical.
🔒 Immutable Transfers
Real Estate, Mortgage, and Debt fund transfers are locked to their original values. You can't optimize away your mortgage payment — it's a contractual obligation.
🔏 Partially Mutable
Monthly Expenses can vary ±25% of their original allocation. You can tighten the belt, but you can't eliminate groceries.
✅ Fully Mutable
All other transfers (salary routing, retirement account contributions, Social Security allocation) can be freely optimized from 0% to 100%.
Contribution CapsDuring accumulation, no more than 25% of income can flow to retirement accounts (401(k), IRA, Roth). In retirement, the cap drops to 10%. This prevents the optimizer from producing unrealistic over-contributions.
Debt PenaltyAny individual asset that ends with a negative balance incurs a fitness penalty proportional to the debt. This prevents the optimizer from concentrating losses in one account while inflating others.
Volatility PenaltyPortfolios that trigger frequent preservation cuts (guardrail spending reductions) are penalized — because a plan that constantly slashes your income isn't really a plan.
Recommendations
When the optimizer completes, click Recommendations to see a detailed comparison of your current fund transfers and guardrail settings versus the optimizer's best solution — organized by phase, with exact percentage changes for every transfer.
How it worksA population of 50 candidate portfolios competes over 200 generations. Each candidate encodes fund transfer percentages for every phase plus four guardrail parameters. The fittest survive, crossover, and mutate — converging on an allocation that respects real-world constraints while maximizing your chosen objective. The entire process runs in a Web Worker so the UI stays responsive.
⚡
AI Summaries
Every section of the simulator has a floating ⚡ button that generates a structured markdown summary of your portfolio's current state — ready to paste into a conversation with your financial advisor, an AI assistant, or your own notes. Each summary is tailored to its section and includes directional notes pointing to related insights elsewhere in the tool.
📅 Timeline Summary
Life event phases, trigger ages, fund transfer configurations per phase, and which assets close at each transition.
💼 Portfolio Summary
Every asset with starting value, ending value, asset type, annual return rate, and fund transfer routing.
📈 Projections Summary
Metric snapshots at key dates — start, retirement, and finish — with per-asset breakdowns and growth trends.
🎲 Monte Carlo Summary
Percentile ending values (10th through 90th), baseline comparison, and 10th–90th spread with warnings if the downside is negative.
🛡 Guardrails Summary
Current guardrail parameters and a table of every preservation cut or prosperity raise that fired during the simulation, with the year and adjusted rate.
📋 Details Summary
Credit memo audit totals per asset, lifetime tax summary (income, FICA, Medicare, capital gains, property), and annual cash flow table.
Why it mattersFinancial data is only useful if you can communicate it. Each summary is structured markdown — tables, headers, and bullet points — designed to be pasted into ChatGPT, Claude, an email to your advisor, or a planning document. Copy with one click.
Scenarios & Sharing
One plan is never enough. The simulator lets you build multiple scenarios — different retirement dates, different allocation strategies, different assumptions — and compare them instantly. When you're ready, share your entire portfolio with a single link.
Multiple Scenarios
Create parallel scenarios with different assumptions — each with its own assets, fund transfers, and guardrail parameters — and switch between them with a dropdown.
Instant Sharing
Compress your entire portfolio into a URL and share it via email. The recipient loads your exact scenario — assets, transfers, settings, and guardrails — in one click.
Auto-Persistence
Every change is automatically saved to your browser's local storage. Close the tab, come back tomorrow — your portfolio is exactly where you left it.
Portfolio Ledger
A real-time summary showing opening value, closing value, and CAGR (Compound Annual Growth Rate) across any metric — so you can benchmark performance at a glance.