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.
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
This is the real engine, running on this page. Change anything. Nothing is sent anywhere.
| Holding | Price | Shares | Cost basis | Value | % of plan |
|---|
That is the ten-second version. The whole planner is free too — every holding at its own rate, sell ordering, the crash test, Monte Carlo, no cap and no sign-up.
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.
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.
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.
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.
Tax-smart ordering against pro-rata, side by side. On one test portfolio — same holdings, same spending — that single choice was $344,102 in lifetime tax against $824,061.
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.
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.
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.
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.
ProjectionLab is $129 a year. Boldin is $144. Over a thirty-year retirement, with opportunity cost, a subscription in this category runs into six figures.
The planner is free to use. Every feature that produces an answer — unlimited holdings, sell ordering, the crash test, Monte Carlo — costs nothing, forever, at torsalis.com/try. What $99 buys is the file itself: keeping your work, and owning the thing rather than visiting it.
Not built yet — the file is the product today. Nothing about it will ever be required to keep using what you bought.
Prices shown include VAT where applicable. Fourteen-day refund, no questions — though downloading the file waives the statutory withdrawal right, so we ask you to try the demo above first.