Forecasting
From your recorded position to financial independence
Your forecast starts from what you've actually tracked, then projects forward with assumptions you can see. Recorded history is solid; the projection is dashed; the target is always in view.
Free plan · No card required
Illustrative demo plan with a fixed income target. A projection, not a prediction.
What drives the path
Five inputs, one forecast
A handful of assumptions do most of the work. Each is shown next to the result it produces, and changing one redraws the path immediately.
Recorded and projected
What happened, kept apart from what might
Past values come from your tracked history; future values are modelled. The two meet at today, and each is labelled for what it is.
- Recorded
- Values captured from your portfolio as you track it. They don't change when assumptions do.
- Projected
- Modelled month by month from today, using your contributions, planning return and inflation.
- When things change
- Update a balance or an assumption and the projection redraws from the new starting point.
After FI
Reaching the target isn't the end of the model
After FI, the forecast keeps going: contributions stop by default, your retirement income is withdrawn each year and rises with inflation, and the outlook shows whether the portfolio is still funded over a horizon of 10 to 50 years.
One path, or a range
Expected path
One projection at a steady planning return. Clear for comparing decisions; silent about market ups and downs.
Monte Carlo · Plus and Pro
10,000 simulated market paths give a probability of reaching your target and a likely FI window.
Questions
Forecasting, answered
What is an expected-path forecast?
A single projection that grows your FI-eligible wealth at your planning return, adds contributions each month and checks when it reaches your target. It shows one likely path, not the range of outcomes markets could produce.
What does the forecast leave out?
It doesn't model tax, fees or market volatility, and one-off planned expenses aren't included. Values are shown in future (nominal) money.
Read the methodologyHow is the planning return chosen?
When enough of your holdings have several years of market history, the return is derived from them. Otherwise it uses a rate you set. Either way, it is shown beside the forecast.
Can I see a range of outcomes instead of one path?
Yes, on Plus and Pro. Monte Carlo simulation runs 10,000 market paths to show the probability of reaching your target and a likely FI window.
Monte Carlo simulationSee your own path to FI
Add your FI-eligible assets and contributions, set your assumptions, and watch the forecast take shape.
Free plan · No card required