Vol. I · Issue 04·Retirement planning·In development

The retirement planner, taking shape.

Monte Carlo simulation, deterministic projections, and 15 specialized calculators — a full planning suite built on 154 years of market data. We're building it now. The Investing Engine is live today.

Features · §02

Tools built for serious planners.

Skip the generic calculators. Get institutional-grade analysis that actually accounts for market volatility, sequence risk, and the tax brackets you'll actually pay.

01 · Monte Carlo

Watch thousands of futures resolve in under a second.

Bootstrap-resampled from historical years to preserve real stock-bond correlation. Up to 200 paths free, 10,000 on paid plans. See the probability of success, not a single optimistic projection.

Numba-JIT · Cholesky-correlated · Shiller 1871–2025
02 · Live data

Every ticker, every input — editable.

Pull live prices, historical returns, and volatility automatically. Override any value. Every assumption is yours.

Fixed 4%78%VPW94%Guardrails91%Floor-ceiling89%
Yahoo Finance · FRED · Shiller
03 · Drift

Allocation drift, before it costs you.

Watch the gap widen as assets compound at different rates.

TARGET 70/30DRIFT +22%
04 · FIRE

Your number, and exactly when.

Coast · Barista · Lean · Fat. Four variants, one calculator.

COASTBARISTALEANFATYOU · 42%
4 FIRE variants · bond-tent aware
05 · Withdrawal

How much can you spend, by percentile?

Model safe withdrawal rates with inflation. Know the floor, not just the average.

FLOOR · p10MEDIAN
Bengen 1994 · Trinity · Guyton-Klinger
How it works · §03

Three steps to clarity.

From inputs to insights in under two minutes.

01

Enter your portfolio

Add assets by ticker. We pull current prices, historical returns, and volatility automatically. Override any value — every input is yours to edit.

~ 45 sec · 5+ tickers
02

Set your timeline

Choose a target retirement date (or explore a range). Set expected spending, inflation assumptions, contribution amounts, and claim age.

~ 30 sec · all editable
03

Read your simulation

Get instant deterministic projections or run Monte Carlo for full probability distributions. Click any number to see the math.

~ 800 ms · 10,000 paths