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Plain-English money guidance and free calculators that show their assumptions, for anyone deciding what to do next. When the model leaves a question about your own situation open, log a request and we introduce you to a licensed advisor.

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  1. 01Savings modelone cushion, three futures
  2. 02Calculatorsfree, with assumptions shown
  3. 03Ground ruleswhat this desk will and will not do

Scenario-first

One cushion, three futures

Switch scenarios, move the monthly shortfall, and watch the month your savings run out shift. The numbers are made up; the habit of stress-testing before you decide is the point.

Scenario

The monthly shortfall grows 0.5% a month, with prices.

Runs out

M15

Lasts

14 mo

Savings

$48k

$0$12k$24k$36k$48kM0M6M12M18M24Runs out ≈ month 15

Illustrative model: made-up $48k of savings, and the monthly shortfall changes at the scenario rate. Not a forecast and not your numbers. Run your own on the tools page.

Model shelf

Calculators you can stress-test

Free, in-browser calculators. Change any assumption and the output updates instantly.

01Compound trajectory labProject how regular contributions grow over time under different return, fee, and timeline assumptions.02Recovery requirementsSee the gain required to recover from a loss, and how long recovery may take at different return rates.03Risk budgeting sketchWeigh potential upside against downside so position-sizing decisions stay deliberate.04Allocation drift checkCompare your current mix against a target allocation and see where drift has crept in.
See all 7 calculators

Ground rules

Read the rules before the numbers

Editorial policyHow articles are made and corrected, and how editorial stays independent from advertising.Editorial teamWho operates Alta Capital Desk and how it is paid for.DisclaimerGeneral education, not personalized advice, and no fiduciary relationship.

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Model it here. Then talk to someone who does this for a living.

  1. Run a scenario or a calculator to frame the decision.
  2. Log a few lines. Ranges are fine for the money entries.
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