Your retirement, mapped.

Your number, your mix, and the route between. Everything recalculates as you type.
SAVES IN YOUR BROWSER · NOTHING LEAVES THIS DEVICE
1 About you
35 · very hard70
How bumpy a ride can you stomach?
Why we ask: the gap between your two ages drives everything else. Your risk choice sets the return assumption ( real).
2 What you hold
LEAVE BLANK IF NOT HELD
Rough numbers are fine — you can sharpen them any time.
ASSETVALUEMONTHLYRET %
Total · /mo
One-time money coming (inheritance, property sale…) ▾
WHATAMOUNTRET %YRS
3 Life after work
Today's prices — the maths handles inflation. Most people need less than they think.
Expect a state pension?
Leave an inheritance?
Advanced —
Sensible defaults are set. Open only if you want to argue with them. Open ▾
Be conservative — plan longer.
After inflation. Auto-set by your risk choice.
27.5 = Austrian KESt. Blended across accounts.
Planning scenario — pessimistic is the safe choice
Net real return after tax
TODAY
PROJECTED TARGET GAP
GOING IN /MO
PORTFOLIO RETURN
YEARS TO GO
OF TARGET
Your money over time REAL TERMS · AFTER TAX
Your mix vs your target TARGET = PROFILE
Close the gap — three levers
LEVER 1 · INVEST MORE
extra /mo
Worth at retirement
LEVER 3 · SPEND LESS LATER
new /yr
Cuts your target by
LEVER 2 · REBALANCE TO TARGET
Moving to the target mix changes your weighted return → , worth by retirement.
ORIGINAL GAP
+ EXTRA CONTRIBUTIONS+
+ REBALANCING
+ LOWER SPEND TARGET+
REMAINING
If markets are unkind early SEQUENCE-OF-RETURNS RISK
Same average return, different order. Bad years early in retirement — when your balance is biggest — hurt far more. Three paths, one average:
Year-by-year projection ▾
YRAGESTARTGROWTHINOUTEND
Glide path — bold to calm
HORIZONSTOCKSBONDSREALALTSCASH
Rules, life events & withdrawal order ▾
Rebalancing rules
1. Rebalance when any class drifts more than 5% from target
2. Review your allocation at least once a year
3. Use new contributions to rebalance — avoid selling
4. Tax-loss harvest when rebalancing taxable accounts
5. Never rebalance reactively to short-term moves
6. Shift about 5% a year out of stocks as the horizon shrinks
Life event triggers
MarriageCombined financesReview jointly ChildrenHigher expensesAdd an education fund Job changeIncome changeIncrease contributions InheritanceLump inflowInvest per your horizon Home purchaseCash outflowRebuild cash first Health eventExpense spikeIncrease bonds and cash Market crash >20%Portfolio dropsStay the course 5 yrs before targetTransitionShift to withdrawal mix Entering retirementIncome from portfolioMove to a bucket strategy
Tax-efficient withdrawal order
1stCash / savingsTax-freeUse first 2ndTaxable brokerageCapital gainsManage brackets 3rdTraditional pension / 401kIncome taxMind minimum withdrawals 4thRoth / ISATax-free growthWithdraw last 5thAnnuityVariesCoordinate with pension 6thReal estateCapital gainsSell strategically
Action checklist
Build emergency fund3–6 months of expensesHIGH Pay off high-interest debtOver 5% APR, before investingHIGH Max employer matchFree moneyHIGH Use tax-advantaged accountsPension wrapper / ISAMEDIUM Increase contributionsLever 1 aboveMEDIUM Rebalance portfolioLever 2 aboveMEDIUM Automate contributionsSet up a recurring transferMEDIUM Save half of every raiseFight lifestyle creepLOW
WHAT THIS MEANS
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