Net worth
FI progress
Savings rate
Log income and spending monthly to keep these live.
Allocation by account type
Accounts
Watchlist — today
| Ticker | Price | Day % | Day $ | Value |
|---|
Values are yours to set; quotes refresh hourly on weekdays for day-change.
Dividends reinvested
Detected from the price feed and added to your holding values automatically. Amounts are estimates (your value ÷ price × dividend per share).
Interest earned
Savings accounts accrue interest monthly at your HYSA APY (Settings), posted on the first of each month. Interest is growth, not contributions.
Market-close updates
Holding values roll forward automatically after each close — stocks/ETFs at the 4pm ET close, mutual funds when the evening NAV posts. Moves marked est. follow a missed close or a manual value edit.
Automatic investments
Scheduled contributions applied to your holdings when due. Tracking starts the day a schedule is created — past paydays are never backfilled.
Each account type follows its own withdrawal rules. Summaries below are simplifications — see the linked IRS pages, not tax advice.
How Autopilot works
Each schedule is one automated investment: an amount, a frequency, a target account. When your pay changes, end the old schedule and start a new one — your history stays intact and projections use whatever is active when.
Schedules
New money from active schedules (monthly equivalent × 12). Transfers between your own accounts are shown separately; ended schedules are excluded.
Log a month
Actual contributions by account
Savings-rate trend
History
| Month | Income | Spending | Saved | Dividends | Interest | Auto-invested | Close | Rate | Note |
|---|
The Bridge
Retire before 59½ and some accounts are locked. The bridge simulator projects your accounts to retirement, then spends them down year by year — using only money you're actually allowed to touch at each age — and tells you whether the bridge holds.
How these numbers are calculated
Starting pools. Each account is projected to your retirement age at your real-return assumption, plus scheduled contributions. Only vested 401(k) dollars count — unvested employer match is forfeited when you leave. The 401(k) is split into pre-tax vs Roth by lifetime source contributions.
Withdrawal order. Each year the simulator takes what you need in this order: taxable brokerage → Roth contributions (tax-free) → pre-tax 401(k)/IRA → Roth earnings → HSA. It stops at the first source that covers the need.
Taxes. Pre-tax withdrawals are grossed up — covering $100 of spending at a 15% rate means withdrawing $100 ÷ (1 − 0.15) = $117.65. Taxable brokerage withdrawals are taxed on the gain portion only: the 0% federal bracket (2026: $49,450 single) is filled first by ordinary income (pre-tax withdrawals), then gains stack on top — 0% under the threshold, 15% above, plus your state rate on the full gain. Click any year in the table above to see its exact math.
Growth. Whatever isn't withdrawn each year compounds at the nominal return — (1 + real return) × (1 + inflation) − 1. Roth contribution basis never compounds — it's fixed dollars that only shrink as withdrawn. Annual spending rises with inflation each year.
This is a planning model, not tax advice: it uses one flat pre-tax rate, the federal capital-gains brackets, and your state rate. It doesn't model the standard deduction, NIIT, RMDs, or Roth conversion ladders.
Advanced bridge strategies
Roth conversion ladder: after retiring, convert chunks of Traditional IRA/401(k) money to Roth each year; each conversion becomes withdrawable penalty-free after 5 years. Takes planning — the 5-year clocks start when you convert.
72(t) SEPP: IRS rule 72(t) lets you take "substantially equal periodic payments" from an IRA before 59½ without the 10% penalty, but the payments must continue for 5 years or until 59½, whichever is longer.
Both have real tax consequences. Talk to a tax professional before using either — this tool is educational, not advice.
Net-worth projection
Today's dollars. Active Autopilot schedules + assumed real return, no other changes.
What-if scenarios
Scenarios recompute instantly and don't change your saved assumptions.
Annual report
Contributions by account
Profile
Assumptions
The tax rate is applied to pre-tax 401(k)/Traditional IRA withdrawals in the Bridge simulator — covering $100 of spending from pre-tax money costs $100 ÷ (1 − rate). Taxable brokerage withdrawals are taxed on the gain portion only: 0% federal up to the threshold (2026: $49,450 single), the above-threshold rate beyond it, plus state tax on the full gain. HSA is treated as tax-free (medical expenses); Roth withdrawals are tax-free. The HYSA APY drives monthly interest accrual on savings accounts and their growth in projections.
Your data
Everything is stored only in this browser (localStorage). Export a backup file regularly — clearing browser data erases it.
About & privacy
Privacy: your financial data never leaves this device. The only network requests this app makes are ticker-symbol price lookups to a free public quote provider. No accounts, no tracking, no analytics.
Limitations: this is an educational planning tool, not financial or tax advice. Projections are illustrations based on your assumptions — markets don't move in straight lines, tax law changes, and the account-rule summaries simplify real IRS rules. Verify anything important against primary sources or a professional.