Interactive long-term wealth & retirement planning. Saved locally in your browser — no data leaves your machine.
Add events that change the trajectory: house sales, refinances, new home purchases, college costs, etc. Toggle on/off to compare scenarios live.
Save your current event list as a named configuration. Later, pick any two saved configurations to compare them side-by-side using the same inputs.
Check 2 boxes to enable A vs B comparison. Compare uses your current inputs with each saved event list.
P&I auto-computed from mortgage details in Inputs tab.
P&I auto-computed; override if needed.
Shows only after a "Buy New House" event in Scenarios.
Computed using MFJ progressive federal brackets + your selected State of Residence + FICA.
Shows year-by-year required gross income (in today's dollars) factoring in mortgage amortization. Look for the cliffs when each mortgage pays off — that's when your required income drops permanently.
Each variable is varied ±10% (or ±2 years/percentage points) while holding all others constant. The bars show how much each variable moves your Net Worth at Retirement. Long bars = high leverage variables you should focus on optimizing.
Between retirement and SSA/RMDs (age 73), federal brackets are mostly empty. Converting Traditional IRA → Roth fills the cheaper brackets and avoids paying 32-37% on RMDs later.
| Year | Age | Traditional Balance | Roth Balance | Other Income | Conversion Amount | Tax Paid | Bracket Filled |
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Red zone = above exemption (taxable). Adjust gifting and charitable bequest to reduce taxable estate.
Lifetime gifting: $19K/yr per recipient (2026) is excluded from estate. MFJ can split → $38K/yr/recipient. To 1 child = $38K/yr. Compounded over 30 years at 7% = ~$3.9M removed from estate.
SLATs (Spousal Lifetime Access Trusts): Move assets out of estate while spouse retains some access. Up to $14M each can be moved before exemption sunset.
GRATs/IDGTs: Freeze appreciation outside the estate while retaining income.
Life insurance in ILIT: Death benefit avoids estate tax — useful to pay any remaining estate tax bill.
Charitable Remainder Trust: Income stream during life + charitable deduction now + remainder to charity.
Important: Consult an estate attorney. Rules and exemption levels change frequently. This tool is for orientation only.
P10 / P25 / Median / P75 / P90 from 1000 random return paths. The wider the cone, the more uncertainty.
Simulates retirement starting THIS YEAR with your current portfolio. No more contributions, no more FICA tax — only drawdowns to cover today's actual expenses.
Audit trail: see exactly what happens each year. If math doesn't match your expectation, the bug is visible here.
| Yr | Age | Stocks (start, real) | Cash (start, real) | Investable (start, real) | Drawdown (real) | Rental | SSA | Stocks (end, real) | Investable (end, real) | Investable (end, nominal) |
|---|
Upload a CSV with up to 10,000 transactions. We'll analyze sector distribution, position weights, annualized return, dividend rate, and compare against S&P 500.
Date,Ticker,Shares,Buy_Price,Current_Price,Sector,Account,Dividend_Yield[,SP500_Price_On_Date] 2020-03-15,NVDA,10,150.25,485.00,Technology,Schwab Taxable,0.02,285.71 2021-06-22,MSFT,5,285.50,415.12,Technology,Roth IRA,0.70,396.46
A complete, offline-first wealth planning tool. All data stays in your browser — nothing sent to any server. Use it for retirement planning, scenario testing, tax-optimization analysis, and tracking your wealth trajectory over time.
Built as a single static HTML file. No login. No tracking. Export your data anytime as JSON.
Q: What's the 4% rule?
A safe-withdrawal rate study showing 4% of starting portfolio (adjusted for inflation) sustains a 30-year retirement in most historical scenarios. WealthWhiz applies it only to investments (stocks + cash), not real estate.
Q: Why birth year not age?
Birth year doesn't drift. Open the tool 5 years from now and your age auto-updates from the system date.
Q: How does the legacy carve-out work?
At retirement, the inflation-adjusted equivalent of your legacy target is "set aside" mentally. The simulation tracks it separately, growing at portfolio rate, untouched by drawdowns. Your "spendable" portfolio = total minus legacy.
Q: Why does my data not save automatically?
To respect your privacy, nothing happens behind the scenes. Click "Save Snapshot" to store in localStorage. Click "Export Data" for portable backup.
Q: Are projections accurate?
They're educated estimates using assumptions you control. Real-world returns vary; markets crash; life happens. Use the Monte Carlo tab to see ranges, not point estimates.
This is NOT financial advice. WealthWhiz is an educational tool for personal planning. Consult a licensed financial advisor, CPA, or estate attorney before making major decisions.
Limitations:
Built by Anthropic Claude with iterative user feedback. Open source-ish: download the HTML, modify freely.
Upload up to 50 past JSON exports to see how your outlook, confidence, and projections have evolved over time. Each snapshot is locally analyzed in your browser.
Check 2 boxes on the snapshots below to enable comparison.
Shows how your projected retirement-age NW has changed as you've updated your plan. Hover a point for the snapshot's notes.
Retirement Achievement % and Legacy Goal % from each snapshot.
Your starting net worth at each snapshot date.
Toggle the "Today's Dollars" switch at the top to flip all values between nominal and inflation-adjusted. Retirement years highlighted.
| Year | Age | Stocks (Spendable) | Cash | RE Equity | Legacy Reserve | Total NW | Rental Inc | SSA | Drawdown | Events |
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