Asset Allocation & Wealth Planner

Understand your current financial position, plan for retirement, calculate your FIRE number, and build an optimised asset allocation strategy — all in one guided experience.

Net Worth Tracker • Retirement Planner • FIRE Calculator • Asset Allocation

Set your target

Based on real spending needs & scenarios

Track net worth

12 asset classes with FV projections

Find your FIRE number

When can you be financially free?

Optimise allocation

Risk-aligned glide path recommendations

Takes about 5 minutes • All calculations happen in your browser • Nothing is stored

About You

Basic information to personalise your plan

Current Age

Target Retirement Age

When you want to live off investments

Life Expectancy

Be conservative — plan longer

Currency

Risk Profile

Drives return assumptions & allocation

Planning Scenario

Pessimistic recommended for safety

Expected Real Return % (after inflation)

Auto-set by risk profile

Tax Drag on Returns %

Blended rate across account types

Net Real Return After Tax

3.63%

Your Current Portfolio

Enter current values and monthly contributions. Leave blank for assets you don't hold.

Asset Class	Current Value	Monthly Contribution	Exp. Return %	Risk
TOTAL	0	0/mo

Expected One-Time Investments

Description	Amount	Exp. Return %	Years Compounding

Retirement Goals & Pension

Define your spending needs and any pension income

Annual Spending in Retirement (today's value)

In today's dollars — real returns, no inflation adjustment

Leave an inheritance?

Inheritance Amount (today's value)

Amount you wish to leave behind

State Pension / Social Security

Do you expect a state pension?

Annual Pension Amount (today's value)

Pension Start Age

Summary

Your complete financial picture at a glance

Wealth Trajectory

Asset Allocation by Category

Your Roadmap

Three actions to bridge the gap

Action 1: Increase Contributions

Extra monthly investment

Expected return % (after tax)

Projected Value of Extras

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Action 2: Optimise Portfolio Allocation

Category	Current %	Target %	Diff	Exp. Return	Action

Action 3: Adjust Annual Spend

New target annual spend

Spend Reduction

—

Target Reduction

—

Combined Impact

Action Checklist

#	Action	Details	Priority

Scenario Analysis

Same average return, different paths — the ORDER of returns matters enormously

How it works: Bad returns early in retirement (when your balance is highest) cause far more damage than bad returns later. We model 3 paths that all produce the same average return but distribute it differently.

Drawdown Projection — Balance Under Each Scenario

Year-by-Year Projection

Yr	Age	Start	Growth	Contrib	Withdrawal	End Balance

Glide Path & Adjustments

How your allocation should shift as you approach retirement

Years to Retirement

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Your Band

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Time Horizon	Equities	Bonds	Real Assets	Alts	Cash

Life Event Triggers

Event	Impact	Action

Rebalancing Rules

Tax-Efficient Withdrawal Order

Priority	Account	Tax Treatment	Notes