What does it cost to sell a big position?
Put in what you hold and what you paid. See the tax on the way out — selling it all this year, or spreading it over several.
Portfolio overview
Your holdings
| Asset / ticker diversified | Price ($) | Quantity | Account total cost basis $ | Growth % / yr through year · then % | Bear % | Bull % | Adding $/mo | Value | Weight | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total |
Table options How much of the table to show, how to type growth, and fetching prices.
What the answer rests on
Retirement, scenario, contributions, growth stages and tax. These decide the projection as much as your holdings do — the defaults are a starting point, not a recommendation.
Retirement
Scenario
Contributions
Growth stages
Taxes
Projection
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at the scenario CAGR (the asset's rate through its fast-growth year, the “after” rate beyond it) → lifestyle spending withdrawn (retirement year onward, inflated yearly) pro-rata across every asset → closing balance.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.
How solid is this plan?
What it would take to make this work, how much of it rides on one name, and what happens when returns do not land where you expect.
What would it take? — the plan solved backwards
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.
Concentration check — how much needs to be diversified, and what getting there costs
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.
Crash test — what if markets fall right as you retire?
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.
Thousands of futures, not one — comes with the file
Your projection assumes returns land exactly on your growth rate every year. They will not. The file runs the plan thousands of times with returns bouncing around that rate and counts how many finish with money left.
Take this with you
The planner stays free. Saving your plan, share links, exporting the table and printing come with the file — yours to keep, saved where you put it, not in a browser.
Own the file — $99Asset breakdown
Where the portfolio sits at year-end. Defaults to your retirement year; pick any year in the plan.
Set the growth rate
Three ways to land on the same number — the average % this holding grows each year. Analysts call it CAGR.
Price data
Crypto prices need no setup at all. Bitcoin, Ethereum, Solana and the rest work the moment you press fetch.
Stock prices are typed in by hand here. We have no license to hand out stock quotes: every self-serve plan from the data providers is for personal use by the account holder, and none of them permit passing quotes on to visitors of a website. Rather than break that, this page does crypto only.
The file you own fetches stock prices live, because it asks the data provider directly with a free key of your own — your key, your machine, your plan, which is exactly what those plans allow. Step-by-step instructions come with it.
Typing a price changes nothing about the answer. Prices are an input, not a result — every figure this tool produces is identical either way.
That part comes with the file
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 your plan, exporting the table, printing to PDF, and share links.
It also fetches live stock prices. Not because the feature is held back — because we have no license to hand stock quotes to visitors of a web page. The file asks the data provider directly, with a free key of your own, which is what those plans are for. Crypto prices fetch on both, with no key at all.
Your work is not lost. When you buy, we hand you your current plan as a file alongside the planner — open it with Load plan and everything you have entered is exactly where you left it.
One payment. No account, no login, no subscription required. 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. Updates are free, always. Your first year of Torsalis Online is included when it launches.
Four quick questions
Enough for a first answer. You can replace this with your real holdings straight afterwards.
Unwind plan
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.