Capital Allocator

$3,000/mo

$36,000 / yr

$0$10,000

Custom $ type any amount

Allocations

Tap a name to rename · tap the color square to recolor · tap % or $ to switch between a percentage and a fixed dollar amount. Fixed amounts are funded first. Up to 8.

Allocated 100%

Unassigned: $0 — add a percentage allocation, or raise a fixed amount, to put it to work.

Total deployed$3,000 /mo · $36,000 /yr

Advanced settings

Optional modifiers applied to the whole projection. Per-allocation returns, balances, fees & caps live on each card above (in Advanced).

Contribution growth Off

Raise your monthly budget by this much every year as income grows.

Annual raise3%

Index monthly caps Off

Any per-allocation monthly caps (like an annual IRA contribution limit) rise over time — historically ~2%/yr.

Cap growth2%

Show in today's dollars Off

Discount the future value by inflation so the headline reflects real spending power.

Inflation rate3%

Capital gains tax Off

Applied to gains in every allocation except those marked tax-free (toggle per card in Advanced).

Long-term rate15%

Realistic range Off

Markets zigzag. This runs 300 randomized paths around your rates and shades the 10th–90th percentile band on the chart. Allocations set to 0% stay principal-only.

Annual volatility15%

Broad market ≈ 15–18% · single stocks ≈ 25–40% · crypto ≈ 60%+

Withdrawal phase Off

When the growth years end, contributions stop and withdrawals begin — pulled proportionally from all allocations, modeled up to 50 more years.

Initial withdrawal rate4%

Yearly raise · keeps pace with inflation3%

Pay taxes on withdrawals

Monthly income at first—

Your money lasts—

If markets do badly—

Typical markets—

If markets do well—

Reach a goal Off

Enter a target and a deadline. Answers update as you change anything.

I want to have$ Withinyears

Invest this much each month—

Or, at your current amount—

Growth projection

What the plan compounds into. Set an allocation's rate to 0% to treat it as principal only — no growth assumed.

Years20 yrs

Return on all allocations10%

Basic mode applies one rate to everything (except allocations you've set to 0%). Switch to Advanced for per-allocation rates, starting balances & fees.

Projected value

Total you invested $0Growth earned +$0

Projected · year 20

Live plan

Milestones

Full breakdown

Shown

Monthly split at every budget level.

amounts shown per month

Saved automatically to this browser

Educational estimates only — not financial advice. This tool projects what steady, assumed rates of return would produce. Real markets rise and fall unpredictably, and no projection here predicts or guarantees actual results. Taxes, fees, and contribution limits are simplified. Nothing you enter leaves your device. Talk to a qualified financial professional before making decisions with your money.