Project cash flow and net worth over your lifetime and for every year of life expectancy.
Quantify uncertainty of investment returns and determine probability of success over thousands of trials.
Back test your portfolio against sequence of returns risks like the Great Depression and the 2008 crash.
Instantly see how changes in inputs like retirement age or expenses impact your long-term wealth.
Optimize asset allocations, Roth vs Traditional and 529 plan contributions, Roth conversions, and Social Security claiming age.
Model your safe withdrawal rate and the optimal sequence for tapping your accounts.
Calculate money you can safely set aside in the last 3, 5, 10, and 15 years of life for LTC expenses.
Calculate how much money you can pass on to your heirs with a desired probability of success.
Generate a professional-grade financial plan with actionable data and graphics.
See how your cash flow and net worth evolve over time. Understand the relationship between your income, expenses, savings, taxes, and wealth accumulation. Track growth of your taxable, tax-deferred, tax-free and non-liquid accounts.
Account for uncertainty in investment returns and quantify the range of possible Liquid Net Worth (LNW) outcomes. Our Monte Carlo simulation runs a thousand different market return scenarios to calculate the distribution of wealth and the probability of not running out of money at your life expectancy age.
One of the most powerful capabilities of the tool is to provide you with the sensitivity of controllable variables like retirement age, expenses, asset allocation and rebalancing to your Net Worth. This analysis helps you make decisions to ensure a robust plan. The analysis can be run for a fixed rate of return scenario or as a probabilistic analysis using Monte Carlo simulation.
Get algorithmic recommendations on key decisions during each stage of your financial lifecycle. Maximize your net worth with data-driven insights.
Year-by-year optimal contribution strategy.
Simple inputs, no optimizers
Detailed inputs, all optimizers
Custom inputs, all the bells & whistles
| Feature | Basic | Advanced | Pro |
|---|---|---|---|
| Name, Current Age, Retirement Age, Life Expectancy | |||
| Gross Income | |||
| Pension | |||
| Social Security | |||
| Other Income - Bonus, Tips, Commissions, etc. | |||
| Business Income | |||
| Rental Property Income | |||
| Life Modeling - Adjust Income for any Lifetime Year | |||
| Yearly Expenses: Recurring (e.g. Groceries, Housing) | |||
| Yearly Expenses: Non-Recurring (e.g. Weddings, Renovations) | |||
| Life Modeling - Adjust Expenses for any Lifetime Year | |||
| Federal Filing Status, State & Local Tax Rate | |||
| Other Taxes (e.g. Real Estate, Property) | |||
| Custom Tax Tables | |||
| Life Modeling - Adjust Tax Rates for any Lifetime Year | |||
| Bank & Brokerages (Taxable) | |||
| Roth & Traditional - 401(k) and IRA | |||
| 529 Plan | |||
| HSA | |||
| Life Modeling - Adjust Savings for any Lifetime Year | |||
| Stocks | |||
| Bonds | |||
| Short-Term | |||
| Cash | |||
| Life Modeling - Adjust Asset Allocation for any Lifetime Year | |||
| Stocks | |||
| Bonds | |||
| Short-Term | |||
| Cash | |||
| Yearly | |||
| Life Modeling - Specify Annual Rebalancing for any Lifetime Year | |||
| Personal Home | |||
| Rental Property | |||
| Business | |||
| Fixed Rate of Return | |||
| Monte Carlo Simulation | |||
| Stress-Test Portfolio: Backtesting | |||
| Custom Index Returns | |||
| Retirement Age | |||
| Expenses | |||
| Rate of Return | |||
| Volatility | |||
| Asset Allocation | |||
| Rebalancing | |||
| Traditional vs Roth 401k/IRA Investment | |||
| 529 Plan Contribution | |||
| Can I Afford "This" Expense (Vacations, Renovations, etc.) | |||
| Asset Allocation In Retirement | |||
| Roth Conversions to Minimize Taxes | |||
| Age to Start Taking Social Security | |||
| Safe Withdrawal Rate in Retirement | |||
| Long Term Care Expense Planning | |||
| Financial Plan and Report Provided for each Tier | |||