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/ SURVYR. Future Planning Lab

Personal CFO Future Lab ✕

/ Cash Flow & Savings Rate Gauge

24% Saved · Healthy
24% SAVINGS RATE
Take-Home / Mo $9,500
Total Spend / Mo $7,200 (76%)
Free Cash Flow +$2,300/mo

/ Retirement & 4%–7% Withdrawal Matrix

$2.84M @ Age 60
Projected Nest Egg$2.84M
4% Safe Draw / Yr$113.5k/yr
Monthly Income$9,460/mo
Target Income 4% Rule (25×) 5% Rule (20×) 6% Rule (16.7×) 7% Rule (14.3×)
$60k / yr$1.50M$1.20M$1.00M$857k
$80k / yr$2.00M$1.60M$1.33M$1.14M
$100k / yr$2.50M$2.00M$1.67M$1.43M
$120k / yr$3.00M$2.40M$2.00M$1.71M
$150k / yr$3.75M$3.00M$2.50M$2.14M
$200k / yr$5.00M$4.00M$3.33M$2.86M

/ 9-Step Wealth Waterfall & Debt Payoff

67% Ready · 6/9 Steps
✓1. Deductibles Covered
Cash Shield
✓2. Employer 401(k) Match
100% Instant ROI
✓3. High-Interest Debt (>7% APR)
Avalanche 1st
✓4. 3–6 Mo Emergency Fund
SGOV / T-Bills
✓5. Max Roth IRA & HSA
Triple Tax-Free
✓6. Max Employer Retirement
$24,500 Cap
77. Hyper-Accumulation (25%+ Saved)
Taxable Quant
88. Pre-Fund Future Goals (529)
Kids / Home
99. Pay Off Low-APR Debt (<5%)
Mortgage Freedom
⚡ Debt Snowball / Avalanche Paydown Debt-Free in 18 mos · $2,140 int

/ Portfolio X-Ray & Sleeve Allocation

Sharpe 1.18 · Beta 0.86
9.4% EST. CAGR
Est. CAGR9.4%/yr
Sharpe Ratio1.18
Max Drawdown-16.5%
Portfolio Beta0.86

New to investing? Start here

A simple first look at compounding, the cost of waiting and the words you’ll see, written for beginners.

Investing 101See how compounding works and what waiting can cost, in plain EnglishGlossaryPlain-English meanings of the words you'll see, with an everyday example for each

Everyday planning

Simple calculators with a few inputs and one clear answer.

Paycheck calculatorEstimate take-home pay after federal, state and payroll taxes and deductionsPaycheck splitterSplit take-home pay into needs, wants and saving, and see when an emergency fund fillsEmployer matchHow much of an employer's 401(k)-style match a contribution captures, and what a missed match could grow toFee dragWhat a yearly fee costs over time: the same money at two fee levelsCash yield comparisonSavings, high-yield savings, a CD and a Treasury bill after taxes and inflationSavings goal plannerThe hypothetical contribution per period to reach a goal by a dateEmergency fund checkHow many months of listed expenses your cash coversDebt payoff plannerCompare paying debts highest-rate first or smallest-balance firstInflation and buying powerWhat prices and money could look like in the future, or the pastNet worth snapshotAdd up what you own and owe, with an optional history on this devicePosition-size calculatorHow many shares keep a trade's loss at the stop to a set share of the account

Advanced

More inputs and assumptions for detailed planning.

HSA explainer and calculatorHow a health savings account's three tax breaks add up next to a taxable accountCollege cost estimatorProjected college cost vs a projected 529 balance, and the monthly amount to close the gapGrowth calculatorHypothetical growth of a starting amount plus regular contributionsRetirement needs estimateA hypothetical lump sum to cover your listed costs from retirement to your planning agePortfolio analyzerSee what a mix of stocks looks like: sectors, concentration, history and overlapEarly retirement numberA target based on spending and a withdrawal-rate assumption, and when it might be reachedRoth vs. traditional comparisonA simplified side-by-side using tax rates you enterClaiming age comparisonCompare hypothetical monthly and lifetime totals for claiming at ages 62 to 70Rent vs. buyCompare the hypothetical cost and net worth of renting and buying over timeBreadwinner coverage estimateA hypothetical amount that would cover household costs for a set number of years if an income stoppedLump sum vs. spreading it outHow investing all at once compared with spreading it over months, across historyDividend income projectorHypothetical dividend income by year, with or without reinvestingSequence of returnsSame average return, different order: why the timing of bad years matters

Hypothetical illustration only. These numbers are estimates based on your inputs and assumptions, could be completely wrong, and are not financial, investment, tax, insurance, legal, real-estate or retirement advice. Past returns don't predict future results. Important disclosures

Coteau Planning tools are educational calculators. Coteau is not a registered investment adviser, broker-dealer, tax professional, insurance agent or other licensed professional, doesn't manage money, and doesn't sell or recommend any product. Talk to a licensed professional before making decisions. Not investment advice · Important disclosures