Investment & Retirement Dashboard
Adjust your retirement forecast
Illustrative monthly-compounding forecast before taxes, fees and inflation. Market returns are uncertain; no financial advice is implied.
Investment holdings
Enter holdings manually. Prices and dividends are entered manually until live market data and statement import are connected.
Assign each holding to an account, owner, and tax type. Existing account names are preserved. Statement-based auto-detection is not connected yet.
| Asset | Quantity | Price ($) | Value |
|---|
Precious metals
Track physical gold and silver in troy ounces. Enter the current price per troy ounce manually; market pricing is not connected yet.
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.
Google Drive statement importer
Manual only. Connect your Google account and press Check Google Drive whenever you want. No scheduled scanning.
Not connected.
Read-only Google Drive permission. PDF content is processed in this browser, not uploaded to Cloudflare. Imported 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 only in this browser on this device. They are not synced to Google Drive or another device. Clear browser data and they may be lost.
Keep backups secure because they contain financial information. Do not upload private statements to a public website folder.