Dashboard

Welcome to your Planning Hub — your tools at a glance.

Start Here

A guided first-run path for learning the tool before entering private data. FolioForecast is a planning calculator that explains assumptions and scenarios; it does not provide investment advice.

1. Pick a goalChoose the question you want to answer first.
2. Use sample or real dataLearn with a demo before entering personal details.
3. Review confidenceSee whether your inputs are complete enough to evaluate.
4. Read next stepsUse education links to understand each metric.
Planning Confidence measures input completeness and warning review. It is not a score for whether an investment or retirement plan is right for you.
Budget Dashboard

Import transactions, track income vs expenses, find your savings rate

Portfolio Optimizer

Analyze allocations, run optimizations, compare to benchmarks

Retirement Planner

Model your path to retirement with Monte Carlo projections

How It All Connects
1
Budget — Know what you earn, spend, and save each month.
2
Portfolio — Optimize how your savings grow with data-driven allocations.
3
Retirement — Project when you can retire and how much you'll need.

Each tool works standalone — use any one, or connect all three for a complete financial picture.

Learning Path

Short lessons connected to real in-app actions. Use sample data first, then apply the concepts to your own assumptions when you are ready.

Beginner Confidence Path

Learn what each input and result means, then run a small scenario. The goal is better understanding of trade-offs, not a prescription.

Investing Basics

Understand assets, allocation, returns, and why historical data is useful but imperfect.

Read lessons

Risk and Volatility

Learn why smoother returns can feel easier to stick with and why volatility is not the same as losing money permanently.

Sharpe ratio Max drawdown

Diversification

See how spreading risk across assets can change the path of returns, especially during difficult markets.

Diversification

Retirement Planning

Compare how retirement age, savings, spending, and return assumptions influence the same plan.

Monte Carlo

Reading Results

Focus on what changed, why it changed, what could be wrong, and which assumptions deserve review.

Methodology

Trust and Privacy

Portfolios are private by default. Public rankings are opt-in, and allocations are hidden unless a separate sharing setting is enabled.

Privacy Security
HOW IT WORKS

1 Add Tickers

Type any stock, ETF, or mutual fund symbol below. Add as many as you want to analyze.

2 Pick a Method

Choose an optimization method — each uses different math to calculate weights. Learn what they do →

3 Run & Compare

Hit Run Optimization to see calculated allocations, risk metrics, and historical performance.

Want to see it in action first? Load a well-known portfolio to explore the interface:

These are well-known allocations used for educational comparison, not recommendations.

Portfolio Configuration

TIME PERIOD
OPTIMIZATION
Select an optimization method to see how it allocates based on historical data.
ASSETS
Ticker Alloc % Min % Max %
Enter tickers like AAPL.US, MSFT.US, SPY.US. Alloc % is your current holding weight (optional). Min/Max are constraint boundaries for optimization.
Total: 0%
SAVE / LOAD

Results

Configure your portfolio and click "Run Optimization" to see results

Compare your allocation against an optimized version and benchmark—see historical trade-offs, not predictions.

Budget Dashboard

Track your income, expenses, and savings rate

Enter Manually
TOTAL INCOME

$0

This Month
TOTAL EXPENSES

$0

This Month
NET SURPLUS

$0

Income - Expenses
SAVINGS RATE

0%

Of Income

Budget Controls

QUICK ACTIONS
Build Your Budget
Enter Manually
Type in your income & expenses
Manage
Tools
RECENT TRANSACTIONS

No recent transactions

RETIREMENT IMPACT
Planner
AVAILABLE PLANNING INPUT

$0

annual contribution assumption

Positive monthly surplus can be imported as an editable Retirement planning input.

Use surplus in Retirement →
Start Tracking Your Budget

See where your money goes, calculate your savings rate, and connect it all to your portfolio plan.

📄
Import Statements

Upload bank & credit card statement files. Auto-detects Chase, Capital One, BofA, and more.

Recommended
🎯
Enter Manually

Type in your income and expenses step by step. No bank files needed.

Manual
✏️
Add Manually

Enter transactions one at a time. Great for tracking cash expenses or recurring bills you know by heart.

Quick Start
🧪
Try Sample Data

Load example transactions to explore the dashboard. See how income, expenses, and savings rate work.

No Sign-up
How CSV Import Works
1
Download CSV
Log into your bank → Statements → Download CSV
2
Upload & Map
We auto-detect columns. Verify the mapping looks right.
3
Review & Categorize
Auto-categorized. Fix any that look wrong. Done!

Your data stays in your account — encrypted and never sold.

All Transactions 0
Income: $0 Spending: $0 Net: $0
Date Description Category Amount Type Excl.
Loading transactions...
0 selected
Retirement Planner. Live-updating projection as you answer. Hypothetical analysis only; not financial advice. Switch to legacy v1 →

Retirement Planner

Watch your plan come together as you answer.

V1
Guided Setup LIVE
Scenarios
Saved Plans
1Household
2Income & Goals
3Accounts
4Assumptions
5Your Plan

Tell us about your household

We'll tailor everything to your situation.
Plan through this age
Try it: bump your target retirement age up or down by 2 years and watch the chart on the right respond.

Income, savings & retirement income

What you earn, what you save, and what you'll collect in retirement.
Income & target
You
% of final income needed in retirement
Retirement income sources
Do you or your household expect any guaranteed income in retirement?
You
Typical DB pension: ~half of inflation
~35% of income. Override with your SSA.gov estimate.
62 (reduced) to 70 (max). Full: 67
Try it: raise your replacement rate to 90% and watch your success rate move on the right.

Your retirement accounts

Add each savings or investment account. We'll model growth, contributions, and withdrawals for each.
Roth (tax-free) Traditional (pre-tax) Cash / Taxable
Tip: Roth withdrawals are tax-free. Traditional withdrawals are taxed as income. Cash & taxable use capital-gains treatment.

Market & tax assumptions

These defaults are reasonable starting points. Adjust if you have a specific view on inflation, taxes, or market returns.
Historical average: ~3%
2025 federal brackets applied automatically
Federal + state brackets applied
Enter your state's flat rate
Annual raise expectation
Scenario volatility
We'll project three scenarios: Base, Bear (pessimistic), and Bull (optimistic).
Bear = Return − spread; Bull = Return + spread
More runs = tighter probabilities but slower live preview
Withdrawal strategy
Control how accounts are drawn down during early retirement.
When ON (default): Cash → Pension → Traditional → Roth (penalties apply before 59½).
When OFF: uses only cash and pension before 59½ — avoids penalties entirely.
Not sure? Leave the defaults — they're based on U.S. historical averages. You can always come back and adjust after seeing your results.

Your plan at a glance

Adjust anything on the previous steps and this summary updates along with the chart.
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Plan summary
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Planning Confidence
Input completeness and assumption quality, not a verdict on the plan.
Not financial advice
—
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What this means
Scenario cards
Use these as sensitivity checks. Each card changes one assumption idea at a time.
Portfolio planning context
Current account assumptions can be carried to Portfolio as editable target context.
Portfolio planning context
Current account assumptions can be carried to Portfolio as editable target context.

Year-by-Year Ledger click to expand »

Real numbers, year by year — nothing hidden. Always shown for the Base scenario regardless of which chart pill is selected, because the Bull case can be misleading. Matches the format of a CFP cash-flow worksheet.

Planning Insights

Scenario observations based on your current plan.
  • Fill in a few fields and we'll generate scenario observations here.

What-if / Goal-seek

Let the engine find the input that gets you to 80% confidence.
Earliest Age
Min Savings
Max Cap
Max Replacement
Success Rate
—
 
Median Ending Balance
—
 
Funds Last Until
—
 

Account Balances Over Time (stacked per account)

Live
View:
Y-axis cap:

Monte Carlo Distribution

Live
Shaded bands show the 5th–95th percentile range across simulated runs.

Cash-Flow Ledger (Excel-style)

Live
Same per-account, per-year structure as a CFP cash-flow worksheet. No smoothing — you see exactly what each account does. Always shown for the Base scenario. Bridge years (retirement → 59½) shaded yellow; shortfall years red; depleted years grey.

Tell us about your household

We'll tailor everything to your situation — single, married, or planning together.

You Primary

Plan through this age
We'll project until the later life expectancy of all household members, so your plan covers everyone.

Income & retirement goals

How much do you earn now, and how much will you need in retirement?

Retirement income sources

Do you or your household expect any guaranteed income in retirement?

Social Security is estimated based on your income. You can override the estimate once we add it in a future update.

Your retirement accounts

Add each savings or investment account. We'll model growth, contributions, and withdrawals for each.

Roth Traditional Cash / Taxable Pension
Include everything: 401(k), IRA, Roth, brokerage, savings, crypto. Assign each account to its owner — this determines whose retirement it serves. Mark shared accounts as "Joint" and we'll split them 50/50.

Market & tax assumptions

These defaults are reasonable starting points. Adjust if you have a specific view on inflation, taxes, or market returns.

Historical average: ~3%
2025 federal brackets applied automatically
Federal + state brackets applied
Enter your state's flat rate
Annual raise expectation
Using 2025 progressive federal brackets. Estimated effective rate on $60K retirement income: ~12% (MFJ) Tax data: 2025 IRS

Scenario volatility

We'll project three scenarios: Base, Bear (pessimistic), and Bull (optimistic).

Bear = Return - this; Bull = Return + this
More runs = smoother probabilities

Withdrawal strategy

Control how accounts are drawn down during early retirement.

When ON (default): Cash → Pension → Traditional → Roth (penalties apply before 59½)
When OFF: Uses only cash and pension before 59½ — avoids penalties entirely
Not sure? Leave the defaults — they're based on U.S. historical averages. You can always come back and adjust after seeing your results.
-- Fire Score
Calculating...
Your projection is running.
On Track (80+) Caution (50-79) Behind (<50)
--
Years to Retirement
$--
Projected at Retirement
--%
Success Rate
$--
Monthly Contributions

Portfolio Projection

Year-by-Year Breakdown

Year Age Start Balance Contributions Growth Withdrawals End Balance

Account & Tax Breakdown

Tax Rules Applied:
Roth: Tax-free after 59.5 Traditional: 10-22% progressive brackets Cash: 0-15% on gains only Pension: 10-22% progressive brackets
Pre-59.5 withdrawals from Roth/Traditional incur 10% early withdrawal penalty Cash/Taxable accounts drawn first to avoid penalties

Planning Insights

Not financial advice. Projections are hypothetical estimates based on the assumptions you entered. Actual results will vary. Past performance does not guarantee future results. Consult a qualified financial advisor before making retirement decisions. View full methodology & disclosures →

Now optimize the portfolio backing this plan

Your retirement plan uses projected returns — see how to optimize the portfolio that funds it.

Go to Portfolio Optimizer ›

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Manage your account, API keys, and preferences.

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Apps that can call FolioForecast on your behalf — for example, claude.ai via our remote MCP connector. Revoking an app cuts its access immediately; the app will ask you to sign in again if you use it later.

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