Getting in
was the easy part.
Now know what you keep.
Every calculator shows you the gross number. Torsalis shows you what survives the tax bill on the way out — holding by holding, at your growth rates, on a sell schedule you set.
How we got this →
The 4% rule assumes a diversified portfolio.
Yours isn't one.
Post a plan built on one big winner and you'll be told, correctly, that the math you used doesn't apply. Then you'll be told to diversify. Nobody hands you the tool that replaces it.
Every mainstream planner models accounts, not holdings. You enter "brokerage, $800,000, growing 7%" and never name a ticker. That's fine for an index investor and useless when your plan rests on three specific companies you have an actual opinion about.
"Half of your household net worth is in one stock, I don't think 4% rule applies in this case"r/ChubbyFIRE
"He doesn't own $2m of NVDA. He really only owns 1.3m. He owes the other .7m to the government."r/fatFIRE
"It wasn't until I finally laid every account out in one place that it landed how lopsided the picture actually was."r/ChubbyFIRE
Your numbers. Right now.
This is the real engine, running on this page — a four-holding slice of it. Change anything. Nothing is sent anywhere.
Open the planner Your changes are on this link now.
| Holding | Account | Price | Shares | Cost basis | Value | % of plan |
|---|
That is the ten-second version — and whatever you change here comes with you. Prices, cost basis, accounts and the sell schedule all carry over. The full planner adds a growth rate per holding, sell ordering, the crash test and Monte Carlo — free, no sign-up, nothing saved to us.
Built for the decision you're actually stuck on.
Not "when can I quit" and not "will it last" — both already have free tools. The one nobody answers is what it costs to convert a concentrated position into a retirement.
Every holding at its own rate
Each stock, coin or fund compounds at a growth rate you set — with a fast-growth stage and a humbler rate afterwards, so you're not compounding 40% for thirty years. Have a price target instead of a rate? Type the target and the year; it derives the rate and shows the arithmetic.
The after-tax unwind
Tag each holding brokerage, pre-tax or Roth, add a cost basis if you have one, and see what each sale actually nets. Basis recovers proportionally as you sell. Withdrawals gross up properly — to net $100,000 at 20% it sells $125,000.
A sell schedule, not a market call
Set fixed chunks on a calendar, or rungs that trigger at prices you choose. The plan gets made while you're thinking clearly, so no individual sale becomes a timing decision.
What order you sell in
Pick the order — sell your taxable account first, or draw from everything proportionally — and see what it changes on your plan.
The crash that actually ends retirements
Sequence-of-returns risk is invisible in a smooth growth curve. Drop the market by a percentage you choose, right at retirement, and watch the plan bend — or not.
Thousands of futures, not one
Monte Carlo with per-asset volatility and correlated shocks, because a portfolio where everything is AI-adjacent doesn't diversify the way independent draws suggest. Runs entirely in your browser.
You've heard a pitch like this before.
- →"I could build this in a spreadsheet."
You probably could — plenty of people here have, over fifteen years. Keep it. Use this to find out whether it agrees. - →"I'm not linking my brokerage."
You can't. There's no integration, no OAuth, no account. You type what you hold — crypto prices fetch automatically, and the file you own fetches live stock prices too. - →"I don't want another subscription."
Then don't have one. Pay once, keep the file forever. - →"I don't trust software to do the calculation."
Correct instinct. Every formula is written out with worked examples — check the math before you pay, not after. - →"I want to try it before I create an account."
There's nothing to create. Scroll up — it's running on this page — or open the planner, also free, also no sign-up.
Every formula,
written out.
Fourteen sections of worked examples that reconcile exactly with the engine. A $1,000,000 position with $400,000 of basis is 60% gain; at a 15% capital-gains rate that's a 9% effective rate, so netting $100,000 sells $109,890.11. That number appears in the methodology and in the projection, and they match.
Known limits, stated up front
- —No progressive tax brackets — rates are flat as you enter them
- —No RMDs, IRMAA, or ACA subsidy modeling
- —After-tax balances assume everything is sold at plan end at the rates you entered — no step-up in basis at death, no bracket effects from liquidating in one year
- —No Social Security taxation rules
- —State tax is folded into the one combined rate you type, not modeled by jurisdiction
- —Growth applies once a year, not continuously
If you need those, Pralana models them properly and costs about the same. It won't price your unwind — the two answer different questions, and plenty of people will want both.
Pay once. It's yours.
ProjectionLab is $129 a year. Boldin is $144. Over a thirty-year retirement that’s about $3,900 to $4,300 in subscription fees — $12,000 to $14,000 if you had invested it instead.
Free: see what your position is worth after tax, project it forward, and stress it against a crash. The file: the full plan — which order to sell in, thousands of simulated futures, and your work kept, exported, and printable.
- ✓Thousands of simulated futures — how often the plan survives when returns do not land on your number, with per-holding volatility and correlated shocks
- ✓Which order to sell in — taxable account first or a slice of everything, and what the choice changes after tax
- ✓Save your plan, export the table, print or PDF, send a share link
- ✓Works offline, forever, on any machine you own
- ✓Live stock prices — fetched with your own free key instead of typed in (crypto needs no key at all)
- ✓Free updates, always — fixes and improvements, never gated
- ✓First year of Torsalis Online included, free, when it launches
- ✓Nothing to log into, nothing to cancel, no server to trust
Delivered by email within a minute. Your copy is stamped with your name.
Prices include VAT where applicable. 14-day refund, no questions — reply to the receipt and it's done. One favor: tell me why, in a sentence.
In your inbox within a minute, with your name on it.
A hosted version is coming, and the first year comes with the file. Not built yet, not sold separately — leave an address and I will email you once, when it lands.