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Soothsayer

sooth·say·er (noun) — one who foretells the future; a teller of truths yet to come.

Everything you enter stays in your browser — nothing is sent to any server. Press Save / share to fold your whole reading (people, money, holdings, and goals) into the page link: bookmark it to return later, or send it to someone and they'll open the exact reading you see. The numbers travel inside the link itself. a planning sandbox — see notes

People add anyone in the household

Savings & assets

Investments today $
Save % of income

Concentrated stock optional

Name
Shares
Price $
Cost basis $/sh

Returns & economy

Raises each person's income (and the savings it funds) every year they work.

Taxes

Picking a state fills the three sliders below with rough effective rates for a typical retiree household; moving any of them switches back to Custom.
Blended drag on investment gains (losses carry forward to offset later gains); Social Security taxed at 85% of this.
Effective income tax on money pulled from the portfolio in retirement (pre-tax 401k/IRA dollars). Spending is grossed up so this much extra is withdrawn.
Charged once, today, on the gain from any shares sold via "Diversify" in the Concentrated stock section.

Retirement spending

Healthcare (per retiree)
added once each person is retired
Before age 65 $/yr
Age 65+ (Medicare) $/yr
Stress test — crash at retirement
2008-style drop in first 2 retirement years

Goals & gifts fully editable

Ending portfolio
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Plan status
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Earliest everyone retires
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At retirement
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Investment portfolio over time

Retirement cash flow — how spending is funded

Social Security vs. portfolio withdrawals

Strategy & risk

Blended return
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Inflation
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Crash severity (stress)
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Single-stock concentration
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