Investment & Retirement Dashboard
Adjust your retirement forecast
Calculated from all priced holdings, including stocks, crypto, IRAs, metals, property equity and cash. An unpriced holding does not contribute to the total.
Illustrative monthly-compounding forecast before taxes, fees and inflation. Market returns are uncertain; no financial advice is implied.
Ongoing portfolio value — weekly history
Records one snapshot per calendar week when you open the app, and lets you manually update the current week. Each snapshot uses your saved holding quantities and prices. This is a valuation history, not a market-only return calculation: deposits, withdrawals and property revaluations also affect changes.
Gold and silver are included at their latest saved spot prices. Automatic weekly snapshots are taken when you open the app, not by a background server.
Total portfolio value over time
The first snapshot appears as a point. After another week is recorded, the graph shows the trend.
Value by investment category
This device stores the history locally. Use Export backup regularly; a different device will not see these snapshots until you import the backup. A true unattended weekly update requires a secure server and automated price data.
Investment holdings
Enter holdings manually. Prices and dividends are manual until market data and statement import are connected. Holdings without a price contribute $0.
Assign each holding to an account, owner and tax type.
Historical only: 0.20 BTC valued at $16,701.76 on September 30, 2026. Not a live quote.
The holdings total automatically determines your retirement forecast starting balance.
Investment Goals
Set yearly contribution goals and long-term targets. Contribution progress is entered manually; a statement importer can reconcile it in a future version. Holdings quantities determine Bitcoin progress.
Annual contribution goals
Annual IRA goals cover Traditional and Roth IRA contributions combined for each person. Amounts are editable and are not validated against IRS contribution limits.
Additional investment goals
Choose a portfolio or account, such as M1, Vanguard, Cash Savings or Crypto. Current progress will calculate automatically from your entered holdings; you only set the goal.
Create goals for a specific stock, ETF, cryptocurrency, account, or category. Track dollar goals and annual contributions, or units for assets such as Bitcoin.
Goal progress is informational and does not increase portfolio balances or forecast contributions automatically. For accuracy, do not enter the same IRA contributions twice.
Dividend income
Default: take dividends as cash now and in retirement. Enter annual dividends per share and cost basis for each holding in Investment Holdings. Values are estimates until confirmed against statements. Dividend payouts can change.
Expected payment calendar
For each holding, choose its usual payment months. Estimates use annual dividend per share divided evenly across selected months.
Actual dividends received
Enter historical payments from account statements. They are recorded separately from forecasts and are not added again to portfolio value.
| Date | Account | Owner | Account type | Ticker | Amount |
|---|
Retirement model uses the annual dividend cash estimate as income, while reducing the assumed total return by an estimated dividend yield to avoid counting that same payout as both portfolio growth and spendable cash. This simplified approach assumes constant holdings and payouts; it is not a tax or dividend forecast.
Wade & Jen — ages and employment
Enter annual gross wages and employment dates for each person. A second job is optional. Work income appears in the annual cash-flow chart only while that job is active. Wages are not automatically added to investment balances; the monthly contributions slider controls invested savings.
Wade — primary job
Wade — second job (optional)
Jen — primary job
Jen — second job (optional)
Retirement income & spending
Monthly household expenses
Expand any category to enter regular expenses. All amounts are monthly estimates in today’s dollars. Categories start at $0 until you fill them in.
Enter your current monthly expenses once. The retirement estimate uses the same expenses, increased by your selected annual inflation rate.
Add other recurring expenses
Projected retirement monthly cash flow
Projected monthly expenses:
Income is before taxes. Expenses are inflated to the retirement date using the selected rate; assumes today’s expenses continue and rise with inflation. PERA and Social Security figures must be verified for eligibility, claiming ages and benefit rules. This is not a retirement sustainability calculation.Retirement cash flow & investment longevity
Both graphs recalculate when you change your retirement forecast, income or household expenses.
Monthly household expenses with inflation
Expense amounts are projected using your annual inflation assumption, including years after retirement.
Income, expenses & investment withdrawals
Remaining investment balance
Illustrative deterministic projection, not a prediction. Assumes constant annual investment returns, end-of-year withdrawals, income benefits remain fixed in nominal dollars, and no new contributions after retirement. Pension and Social Security are modeled as starting at the retirement date; employment wages follow the entered job dates and are gross before taxes; claiming ages, COLAs, taxes, fees, market volatility and healthcare shocks are not modeled. The selected withdrawal percentage is a guideline, not an extra expense. Actual withdrawals are only the amount needed after pension and Social Security income. Do not use this projection alone to decide when to retire.
Version 4.2 — Safer Automatic Cloud Sync
Your saved portfolio stays on this device and in your private cloud account. Sync starts only after checking both copies. Do not clear browser data.
Cloud not configured. Local app still works.
Changes save automatically when the device and cloud have a common revision. Independent changes can be merged; overlapping changes pause syncing. If prompted, export a backup and choose which copy to keep. The app checks for cloud changes every minute while open.
Google Drive statement importer
Manual only. Connect your Google account and press Check Google Drive whenever you want. No scheduled scanning. For supported Robinhood Crypto statements, approving import will now update the corresponding Bitcoin holding, with a warning before replacing newer data. Other statements remain review-only.
Not connected.
Read-only Google Drive permission. PDF content is processed in this browser, not uploaded to Cloudflare. Imported holdings and account snapshots stay in this browser until a secure sync backend is added. A Google Cloud OAuth client is required.
Data & privacy
Entries are stored in this browser and, once synchronization is active, your private Cloudflare database. Keep an exported backup before migrating or resolving conflicts.
Keep backups secure because they contain financial information. Do not upload private statements to a public website folder.