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
Based on currently active schedules (monthly equivalent × 12). 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.
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 Traditional 401(k)/IRA withdrawals in the Bridge simulator — covering $100 of spending from pre-tax money costs $100 ÷ (1 − rate). 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.