Numbers don't lie. Run them.

See what time and
compounding actually do.

Pick a starting amount, a monthly contribution, an annual return, and a timeline. The math is the same math every retirement plan uses — but running it yourself makes it real.

Consistency beats timing
almost every time.

If you contribute the same amount every month, for years, at a boring long-term return — this is what you end up with. Nothing fancy, no lump-sum luck, no timing-the-market heroics.

What did that trade
actually return?

Enter what you put in, what it's worth now, and how long you've held it. You'll see the raw profit, the percentage return, and — more useful — the annualized figure you can compare against anything else.

The one growth rate
that actually compares.

CAGR is the return a smooth curve would need to get you from your starting value to your ending value. It's how fund factsheets quote performance — and the only honest way to compare a 3-year hold against a 10-year one.

Diversification
in one picture.

Drag the sliders to sketch your allocation across stocks, crypto, bonds, cash, and real estate. We compute a diversification score so you can spot concentration risk at a glance.

The number that
buys you your time back.

The 4% rule, inverted. Tell us what you want to spend, pick a withdrawal rate, and see the portfolio size that lets you quit. Drop in what you've saved so far and you'll see exactly how close you are.