Select Time Interval
Networth Over Time
Networth Table
| Date | Value | Change | % |
|---|
Monthly Account Balance
| Filters | ||||
|---|---|---|---|---|
| Date | Account | Category | Owner | Value |
Select Statement Date
Expenses Over Time
Expenses
Budget
Monthly expenses
| Filters | |||||
|---|---|---|---|---|---|
| Date | Category | From | For | Value | Description |
Import & Categorize CSV Transactions
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Drag and drop your bank or credit card CSV here
Supports Chase, Amex, Apple Card, Citi, Capital One, BofA, and standard bank exports.
Map CSV Columns
0 selected
| # | Date | Category | From | For | Amount ($) | Description | Del |
|---|
Inflow Over Time
Outflow Over Time
Inflow
Outflow
Monthly Cashflow
| Filters | |
|---|---|
Monthly Inflow
savings
Select Statement
Balance Sheet
Historical Success Rate
--%
Simulating across 1871–2024
Progress to Core FI
Est. Countdown: --
0%
$0
of
$0
Investable / Core Target
Milestone Targets
Lean FI
$0
Fat FI
$0
Coast FI
$0
Barista FI
$0
Portfolio & Goal
$
Investable liquid, taxable, and retirement accounts.
$
/ yr
%
Allocation & Strategy
Portfolio Distribution:
Stocks 80%
Bonds 15%
Cash 5%
Stocks (S&P 500
Total Return)
80%
Bonds (10-Yr US
Treasuries)
15%
Cash (3-Mo Treasury
Bills)
5%
Adjusts initial spend by annual inflation (CPI). Classic Trinity study / 4% rule.
Triggers 10% spending cut if withdrawal rate increases by this % above
initial.
Cash Flows & Decision Scenarios
Model recurring flows or simulate life capital decisions with real-time FI delay calculations.
No extra income or expenses
added yet.
Portfolio Trajectories (1871–2024 Historical Fan)
Simulated real balance trajectories across all historical cycles.
Years in Retirement:
Annual Spending Trajectory
Real purchasing power in first-year dollars over time.Historical Cohort Explorer
Detailed outcomes for every simulated retirement start year since 1871.
0 Cohorts
| Retirement Period | Outcome | Ending Balance (Nominal / Real) | Lowest Balance | Avg Real Annual Spend | Yearly Breakdown |
|---|
Historical Cohort Audit
| Year | Age | Start Balance | Return (S/B) | Inflation (CPI) | Base Spend | Cash Flow (+/-) | Net Withdrawn | End Balance |
|---|
Add Cash Flow Event
Major Life Decision Sandbox
Simulate capital shocks, home purchases, or sabbaticals and calculate the exact timeline delay in monthsDecision Parameters
$
Immediate deduction from liquid portfolio.
Δ $/mo
Negative
reduces monthly savings surplus.
mos
Month 0 = Immediate purchase /
shock.
Δ $/yr
Ongoing shift in Core FI annual
spend target.
OPPORTUNITY COST
5% Real Return
+12 Months
Delays Financial Independence
by 1.0 years.
Baseline Plan
--
--
With Decision
--
--
Core FI Goal:
$0 → $0
CSV Import Notice
Storage & Categorization Rules
Manage learned merchant rules, full-system backups, and browser LocalStorage| Merchant Pattern | Assigned Category | Action |
|---|
Showing 0 rules
Longer patterns take priority when matching CSV rows
Export Everything (Unified Backup)
Downloads a comprehensive .json backup containing all your learned categorization rules, Google Sheet connection IDs, and application parameters in one click.
Restore from Backup File
Upload a previously exported backup file to restore your categorization rules and configuration.
Backups are stored purely on your local machine and contain no tracking or external telemetry. Keep a backup copy if you plan to clear browser data or switch devices.
Stored Keys
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