Every holding at its own rate — then what the unwind actually costs after tax.
Load a worked example to see how it all fits together, answer four quick questions, or type your own holdings straight into the table below.
Add each holding with its current price, quantity and the compound annual growth rate you expect. Use type “Income” for pensions, Social Security or rent: enter the amount per year and the year it starts — it reduces what the portfolio has to pay for and never counts as capital.
| Asset / ticker | Price ($) | Quantity | Account cost basis $ | Growth % / yr through year · then % | Bear % | Bull % | Adding $/mo | Value | Weight | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total |
Instead of guessing and re-running, ask the question directly. Each answer is found by re-running the whole projection until it just works, so it respects your taxes, growth stages, unwind plans and income.
Decide how many years of spending you want held safely in diversified assets. That floor is what stops you ever having to sell a conviction position at the bottom to pay a grocery bill. Everything above the floor is a choice — get in early and go in hard on the few names you follow closely, and let the floor do the defending. Tick “diversified” on your broad funds in the table above, then set your floor here.
Once you are withdrawing, the order of returns matters far more than the average. Selling during a slump to pay the bills destroys shares that never get the chance to recover.
Runs the plan 1,000 times with returns bouncing around your CAGRs instead of landing on them exactly, then counts how many finish with money left. All figured in your browser.
Volatility is how far a year's return typically strays from your expected rate. Defaults come from the asset type — around 30% for a share, 70% for crypto, 20% for custom. An index fund is closer to 15%, so it is worth setting by hand. After a holding's fast-growth year it is treated as no bumpier than an ordinary share.
Each year: opening balance → grows at the scenario CAGR (the asset's rate through its fast-growth year, the “after” rate beyond it) → lifestyle spending withdrawn (retirement year onward, inflated yearly) pro-rata across every asset → closing balance. Today's values are treated as the opening balance for the current year.
Where the portfolio sits at year-end. Defaults to your retirement year; pick any year in the plan.
Three ways to land on the same number — the average % this holding grows each year. Analysts call it CAGR.
Crypto prices need no setup at all. Bitcoin, Ethereum, Solana and the rest work the moment you press fetch.
Stock prices need a free key of your own. An API key is just a long string of letters and numbers — like a library card number for a data service. It tells Finnhub who is asking. Nothing is installed, nothing is uploaded, and you are not signing up for anything that charges you.
The free plan allows about 60 price look-ups a minute, which is far more than this tool will ever use, and it is free permanently rather than a trial. Finnhub asks that free keys be used for personal, non-commercial purposes — planning your own retirement is exactly that.
Stored in this browser only, on this device. It is never sent anywhere except to Finnhub when you press fetch, and it is not written into saved plans or share links. Clearing your browser data removes it.
You never have to do any of this — you can always type prices in by hand.
Everything that produces an answer is free and already here — the same engine, the same numbers, nothing held back — so you can check the math against your own spreadsheet before paying a cent. What the file adds is taking the work with you: saving, plus exporting, printing and share links.
One payment, no account, no subscription. It is a file on your own computer — it opens offline, it never expires, and your figures never leave the machine you open it on.
Enough for a first answer. You can replace this with your real holdings straight afterwards.
Sell a fixed slice on a schedule instead of guessing when to get out. You set the rule now, while you are thinking clearly, not in the middle of a drop. Percentages are of the position you hold today.
Dollar-cost averaging in reverse: decide the prices now, sell automatically when each one arrives.