Dashboard · Overview
Current portfolio vs target allocation
Demo data · Log in to see your actual portfolio Log in →
Total assets
$ —
No holdings added yet →
Allocation drift
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No target allocation →
Income floor coverage
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Essential spending not set →
Glide path
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Target date not set →
Portfolio value over time
$ —
Cash is held constant at its current balance. Each holding is included from its purchase date. Select Portfolio → Update prices for the latest data.
How it works
Build your portfolio view in three steps
- 01
Add your holdings
Group assets and cash by account, with manual valuations or automatic price updates. Multiple accounts and asset classes are supported.
- 02
Choose a strategy
Choose a target allocation from presets such as 60/40, All-Weather, and Permanent Portfolio, or build your own by asset class.
- 03
Monitor drift and coverage
Check allocation drift and income floor coverage whenever you visit. The system describes your current position; you decide when to rebalance.
Methodology
A two-sleeve model
The portfolio has two layers. The income floor covers essential living expenses with stable interest, bond coupons, and cash yield. The growth sleeve sits above that floor, pursuing long-term compounding with room for greater volatility.
The income floor is determined by two inputs: annual essential spending and the portfolio's sustainable blended yield. Their ratio gives the required capital.
Required capital
Annual essential spending ÷ Assumed sustainable yield
Capital above the income floor belongs to the growth sleeve and is free to compound.
Principles
How the tool approaches investing
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Objective reporting
It shows your current position and deviations without making decisions for you or issuing buy and sell instructions.
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Long-term focus
Drift bands, rebalancing thresholds, and glide paths are slow-cycle tools—not instruments for short-term market timing.
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Transparent calculations
Every figure can be traced back to the holdings, target weights, and yield assumptions you entered.
References · 4% withdrawal rate (Bengen, 1994) · Trinity Study (Cooley, Hubbard & Walz, 1998) · Bogle on capital allocation