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Sound Money Calculator
What if you just started?
Five questions. Then we'll show you what debasement is costing your family — and what a small change could do.
+4.5%
M2 YoY
2.4%
CPI
2.1%
Gap
6.0%
Mortgage
+6.9%
Home
Step 1 of 5
About you
The basics. Takes 30 seconds.
yrs
yrs
Gross annual W-2
$
401k + IRA + brokerage — everything you've saved
$
Step 2 of 5
Your home
Your biggest asset. We'll track equity alongside your investments.
$
$
$
%
Step 3 of 5
Family & expenses
College, cars — the big hits along the way.
$
$
0 = no car expense
yrs
Step 4 of 5
Your investment plan
How you split your monthly investment. 401k match stays in index funds. The rest is your call.
Pre-tax. Index funds only.
$
$
$
$
The asymmetry: If 10% of your DCA is Bitcoin and BTC drops 70%, your total investment only drops 7.0%. But when it runs, that small stream moves the needle.
Step 5 of 5
What do you expect?
Pick the outlook that matches your gut.
Market Outlook
Conservative
Below-average returns, elevated inflation
S&P 6% · Gold 4% · BTC 12% · Home 2.5%
Moderate
Historical averages, trend continuation
S&P 9% · Gold 7% · BTC 25% · Home 4%
Optimistic
Strong growth, favorable conditions
S&P 12% · Gold 9% · BTC 40% · Home 5.5%
Inflation Measure
CPI (Government): ~3%
What they tell you inflation is
M2 Money Supply Growth: ~5.5%
How fast they're actually printing
Your Sound Money Plan
Your portfolio lasts until
—
Portfolio at Retirement
Your investments when you stop working
—
Net Worth at Retirement
Portfolio + home equity
—
Monthly in Retirement
Portfolio + SS generates
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You need (70% of income)
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Monthly gap
—
The Trajectory
The Risk Question
Cost of Waiting One Year
Same plan, started 12 months later
—
less at retirement
What if Bitcoin crashes 70%?
The fear that stops most people. What happens if BTC drops 70% the day you retire?