Portfolio Overview

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Total Portfolio
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+0.00%
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Gain/Loss
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Runway
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Cash
Total Portfolio
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-- accounts
Total Gain/Loss
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Spend Cushion
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Earns X% − Spends Y%
Asset Runway
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cash
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YTD Withdrawals

Gross Withdrawn
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Net Received
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fed -- · state -- withheld --%
RMD: --

Tax Position

--% marginal
--% effective
--% bracket next --%
income -- headroom --
Convert to Roth up to -- at --% combined IRMAA --

Actions

Top Holdings

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Rebalance

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Liquidity Buckets

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Rebalance

Allocation targets and recommendations

Asset Allocation Plan

Rebalancing recommendations based on target allocations

% Variance from Target

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Allocation Details

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Rebalance Instructions

Calculating trades...

Everyday

Net worth, account balances, and day-to-day cash

Net Worth
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Retirement
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Brokerage Investments
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Brokerage Cash
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Property
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Debt
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More everyday widgets coming soon. Click the Net Worth card above to manage properties & debts.

Net Worth

Brokerage + cash + property − debts

Net Worth
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Retirement
$--
Pre-Tax + Roth + Post-Tax
Brokerage Investments
$--
From Everyday holdings
Brokerage Cash
$--
Uninvested cash in brokerage
Property
$--
House, vehicles, etc.
Debts
$--
Mortgage, cards, loans

Properties & Other Assets

Debts & Liabilities

Net Worth History

Monthly snapshots, taken automatically on the 1st.

Timeline

Key milestones and planning windows

Retirement Timeline

Key milestones and planning windows

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Calendar

Upcoming deadlines and action items

Action Calendar

Personalized deadlines based on your age, accounts, and tax profile

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Simulation

Monte Carlo retirement scenarios

Monte Carlo Simulation

Test your retirement plan against thousands of market scenarios

🎲
Ready to test your retirement plan
Click "Run Simulation" to test against 5,000 random market scenarios
📖 How to read this chart

5,000 random market scenarios using your expected return + volatility. Three lines plot the range of outcomes:

90th %ile — best 10% of outcomes (optimistic)
Median — middle outcome (most likely)
10th %ile — worst 10% of outcomes (pessimistic)

Key insight: Focus on the 10th percentile (red, dashed). If it stays positive through your terminal age, your plan is robust even in bad market conditions.

Roth Planning

Conversion headroom and strategies

Roth Planning

Conversion headroom and tax-efficient strategies

Roth Conversion Headroom

How much you can convert from pre-tax to Roth before hitting the next tax bracket.
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Multi-Year Conversion Planner

Year-by-year conversions through age 74, run through the same tax engine as the Withdrawal Plan (Social Security taxation, IRMAA tiers, NC state tax, RMDs). Conversion tax is paid from taxable, then cash, then withheld from the conversion itself. All-in burden = your lifetime taxes + IRMAA + the heirs' tax on whatever pre-tax remains (assumed 24% heir rate). Click a row for the year-by-year schedule.
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Withdrawal Plan

Tax-aware multi-year sequencing

Withdrawal Plan

Multi-year tax-aware withdrawal sequencing across Pre-Tax, Roth, Taxable, and Cash

Strategy

💰
Ready to plan your withdrawals
Select a strategy and click "Run Projection" to see year-by-year tax impact

Reports

Charts and analysis

Reports & Projections

Retirement planning charts and analysis

Asset Allocation

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Portfolio Value History

Month-end values (last weekly snapshot of each month), full history. Red dots mark months with withdrawals.
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Snapshot Data

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Net Worth Projection

Portfolio balance over time assuming a fixed annual return and your spending rate.
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Withdrawal Runway

How many years until your portfolio runs out at different return rates. Longer bars = more runway.
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Required Minimum Distributions (RMD)

Mandatory withdrawals from pre-tax accounts starting at age 73. Based on IRS life expectancy tables.
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Income vs Expenses Projection

How much you need to withdraw from your portfolio each year. Drops when Social Security kicks in.
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What-If Scenarios

How different spending levels or market crashes would affect your portfolio survival.
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Monte Carlo Simulation

Runs 5,000 random market scenarios. Success rate = % of scenarios where money lasts to 95.
Click "Run Simulation" to test your plan against 5,000 random market scenarios

Tax Bracket Visualization

See which tax brackets your income falls into and how much headroom before the next bracket.
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Roth Conversion Headroom

How much you can convert from pre-tax to Roth before hitting the next tax bracket.
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Spending Smile (Curve)

Projected spend per year in today's dollars across Go-Go, Slow-Go, No-Go phases (plus optional LTC shock). Enable in Config → Spending Model.

Portfolio Allocation by Percentage

Visual breakdown of your portfolio. Larger boxes = larger allocation.
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Portfolio Allocation by Dollar Value

Visual breakdown of your portfolio. Larger boxes = more dollars invested.
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AI Review

Retirement-planner observations from Claude Sonnet 4.5

Typical run cost: ~$0.05–0.10
Click Run New Review for fresh retirement-planner observations based on your portfolio, allocation, tax positioning, and withdrawal history.

Cash Flow

Track income, expenses, and spending patterns

Track Your Cash Flow

Import your transactions from Monarch, Copilot, or any CSV export to analyze spending patterns and track income vs expenses.

All Transactions

0 transactions

No transactions yet

Import a CSV to get started

Settings

Personal and tax configuration

Configuration

Personal settings for projections and tax calculations

Personal Information

Income & Spending

Social Security

Actual month checks begin. Projections prorate the first year instead of assuming a full year at the start age.

Tax Rates

Investment Assumptions

API Keys

Free key at finnhub.io — required for live stock and ETF price quotes

Shared with Pulse — used for AI Retirement Review (Claude Sonnet 4.5)

📥 Import History

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Assets

Securities and cryptocurrencies

Assets

Manage your tracked securities and cryptocurrencies

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Holdings

Positions across all accounts

Holdings

Your positions across all accounts

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Accounts

Manage your investment accounts

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Tax

Returns, withholding, and safe harbor tracking

Tax

Returns, withholding, and safe harbor tracking

YTD Gross
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YTD Federal Withheld
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YTD State Withheld
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YTD Net
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📊 Withholding Tracker

Add a tax return to enable withholding tracking

📄 Tax Returns

No tax returns recorded

Withdrawals

Track distributions

Withdrawals

Track distributions

YTD Gross
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YTD Federal
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YTD State
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YTD Net
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Account Balance Trend
Balance prior to each withdrawal — drawdown vs. recovery