SIMULATOR • FINANCIAL PLAYGROUND

R Financial Playground

Play with spending, income, and returns —
see how your portfolio evolves at 5%, 7%, and 9%.
Nominal / real toggle
5% · 7% · 9% + Monte Carlo
Spending phases + income streams
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Timeline & Spending
Define ages/years and annual spending in each phase.
Use ages (e.g. 45, 57, 65, 75, 90) or calendar years — just be consistent.
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Portfolio Inputs
401(k) + taxable balances and ongoing contributions.
Lump sum is added into the taxable account at the chosen year. 401(k) contributions are split between pre-tax and Roth using the slider above.
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Social Security
Benefit reduces portfolio withdrawals once it starts (approx FRA adjustment).
SS is modeled as flat nominal income (no COLA) starting at the chosen year. Amount is treated as full retirement age (67); we roughly apply -6%/yr if taken early and +8%/yr if delayed (capped at 70).
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Consulting / Part-Time Income
Side income further offsets portfolio withdrawals.
Consulting is only applied after retirement; if it exceeds spending, no withdrawals that year.
Success probability: –
Inflation: % / year
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Portfolio Projection
Hover to see values. Lines assume constant nominal returns (or real if toggled).
5% return 7% return 9% return
Retire: – Milestone 1: – Milestone 2: – End: –
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Income vs Spending (7% path)
Stacked bars: income vs portfolio-funded spending.
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401(k) Tax Analysis
Compare pre-tax vs Roth contributions and withdrawal taxes.
Run the projection to see the tax breakdown.
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Compare Retirement Dates
Run three retirement dates at a single return assumption using the same inputs.
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Single Purchase
What if you invested the entire purchase price for 10 years instead?
10-year future value at 5% / 7% / 9%.
Enter a purchase amount to see the 10-year future value.
OR
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Payments
Invest every monthly payment for the full term instead of spending it.
Total payments: –
Monthly contributions compounded at 5% / 7% / 9%.
Enter a payment amount and term to run the math.
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Options Break-Even
Quick math for covered calls or cash-secured puts.
Contracts are 100 shares each. Premium can be total dollars received for the position.
Outputs update instantly on calculate.
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Results
Shows share-level break-even, liability, and exposure.
Effective break-even (per share)
–
Current price minus premium per share.
Current liability
–
Cost to buy all shares at the strike price.
Total exposure
–
Current value minus strike value for all shares.
Enter values to run the calculation.
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Compare Roll
Enter a new strike and additional premium to see rolled break-even and exposure.
Uses the same current price and contracts as above.
New effective break-even (per share)
–
New liability
–
New total exposure
–
Enter roll strike and premium to compare.
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P/L Visualizer
See profit/loss at expiration for common options strategies.
Leg 1
Max Profit
–
Max Loss
–
Break-even
–
Prob of Profit
–
Expected Value
–
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Portfolio Inputs
Current balances, contributions, and your time horizon.
50% match → employer adds 50¢ per $1 you contribute.
Contributions added at the start of each year before growth is applied.
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Projected Totals
Combined value at end of horizon.
3% return
–
5% return
–
7% return
–
9% return
–
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Combined Portfolio Growth
Total (401k + investment) by age, all four return rates.
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401(k) Growth
Your contributions + employer match, compounded.
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Investment Account Growth
Taxable / brokerage account, compounded.
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Stock Analysis (Yahoo Finance)
Fetch historical data to see current value, 52-week high, 5-year change, and a daily heat map.
52-week low
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52-week high
–
Current value
–
Change (5y)
–
52w Low Current 52w High
Last 1 year daily performance
Gain Loss No change / first day
Avg gain: –
Avg loss: –
Median gain: –
Median loss: –
Daily change distribution
Weekly performance (full history)
Gain Loss No change
Avg gain: –
Avg loss: –
Median gain: –
Median loss: –
Weekly change distribution
Enter a ticker and hit Fetch to load data.
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Loan Calculators
Quick monthly payment estimates for mortgages, interest-only loans, standard amortized loans, and leases.
Mortgage (with optional PMI & property tax)
Enter values to calculate.
Base monthly (principal + interest)
–
Monthly with PMI/Tax
–
Loan amount
–
Interest-only payment
Monthly interest-only payment
–
Standard loan (car/other)
Monthly payment
–
Lease calculator
Estimated monthly lease
–
Residual amount
–
THE NUMBER
—
Configure inputs below and click Calculate
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Retirement Assumptions
Set your spending, income, and growth assumptions.
Ages
Annual Spending
Income Offsets
Assumptions
Age Range to Compare
The number is the portfolio value you need on day one of retirement so withdrawals never deplete it through your planning horizon. Social Security and other income reduce required portfolio withdrawals.
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Number by Retirement Age
Portfolio needed at each age — grouped by 5%, 7%, 9% growth. Your target age is highlighted.
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Portfolio Trajectory
Starting from THE NUMBER at your target retirement age — how your portfolio plays out at 5%, 7%, and 9%.