What do you spend TODAY? Start with your current monthly expenses. The Retirement Adjustment below will tune this for your retirement years.
Every dollar of guaranteed income is a dollar your savings doesn't have to produce. This is why including these is critical.
Where are you today, and what can you commit to each month? These three inputs plus your Freedom Number determine the annual return rate you need.
For any 12-month period during the selected timeframe, here's the best, worst, and average return each asset delivered. Wider bars mean wilder rides. The dot shows the average.
What if you had invested $500/month consistently? This tab shows what your actual monthly investing would have produced, as a visual journey and in exact dollar figures.
What $500/month invested consistently would have grown to. Each line's final value is labeled. Y-axis uses log scale so high and moderate performers are both visible.
Enter what you actually own today to see your real allocation. The tool uses current prices to calculate each asset's dollar value and percentage of your total portfolio.
Drag the sliders to build your target allocation. See how blending assets affects your expected return and Catch-Up Fit Score.
For every possible starting month in the data, we measure what happened if you'd bought the asset and held it for N years. The pass rate shows what percentage of those rolling windows ended in profit. The worst case shows the most painful window you could have bought into. This tests whether the "just hold for X years" rule actually holds up.
| Asset | 1 Year | 2 Years | 3 Years | 4 Years | 5 Years | 7 Years | 10 Years |
|---|
Each cell shows: % of rolling windows that ended profitable (sample size in parens). A "—" means the asset doesn't have enough history for that holding period.
The single worst entry point in the data, for each holding length. If you'd bought at exactly the wrong moment and held for N years, this is what you'd have lived through.
| Asset | Worst 1Y | Worst 2Y | Worst 3Y | Worst 4Y | Worst 5Y | Worst 7Y | Worst 10Y |
|---|
Negative = held at a loss at the end of the period. Positive = even the worst entry would have made you money. Hover a cell for the exact start and end dates.