Select Time Interval

Net Worth Over Time

Net Worth Table

Date Value Change %

Select Statement Date

Monthly Account Balance

Date Owner Category Account Value

Expenses Over Time

Expenses

Budget

Monthly expenses

Filters
Date Category From For Value Description

Import & Categorize CSV Transactions

No file loaded

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 items $0.00 0 uncategorized
0 selected
# Date Category From For Amount ($) 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
Countdown assumes 5% real return + current annual savings.
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.
30-Year Horizon

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

Household & Financial Settings

Manage household members, accounts, and categories. Changes are synced atomically to your Google Sheet's FormData tab.

Add New Account

Strict format Category - Institution - Owner is automatically maintained.
Category Institution / Nickname Owner Actions

Add Household Member

Household members appear in statement owner dropdowns and expense records.

Add Income Stream

Income streams appear in the Inflow / Cashflow recording modal.

Add Expense Category

Categories drive expense categorization, CSV imports, and budget charts.