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💰 Financial Readiness Calculator · v4

Exit-year bridge · Retire+N infusion · Apr 16 2027 vest cliff · interactive trajectory

Calculating…
Variables
Baseline for inflation, vesting, and 401(k) growth.
First full year with no salary — AAPL sales begin Jan 1.
Last month of employment, the year before drawdown.
%
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2027 dollars , excluding health insurance.
Starting budget + health — calculated.
%
Compounds budget, deductions, and tax brackets.
Portfolio: calculating…
✏️ Update each session — NASDAQ: AAPL
Auto-set from vest schedule.
%
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of sale
Portion of each sale that is taxable gain.
Balance at retirement: calculating…
%
× budget
Cash cushion held before selling stock.
Retire + yr
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Private ACA bridge for two adults.
Ongoing cost per person after 65.
$ /mo
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$ /mo
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Stops at retirement.
%
%
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2026 MFJ standard deductions. Both indexed forward.
%
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%
—
—
%
Weight the portfolio is rebalanced back to when a limit is breached.
±pt
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Leave a rate blank to keep that asset at its scenario default.
Pays fund taxes from fund distributions instead of selling stock.
Draws the 4% savings pool down to its floor first.
%
%
%
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⚠️ Interpret with care. Returns here are fixed, not volatile — bonds import their lower return with none of the volatility protection they exist to provide.
%
%
Purchase price + capital improvements.
%
%
%
MFJ primary residence gain exclusion.
Scenarios
⚡ Financial Verdict — Live
Calculating…

Compare · current vs. a saved scenario

Trajectory

Year Snapshot

🐻 Bear 3% / 3%
Annual Budget
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AAPL Value
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Portfolio Net Worth
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Retirement Risk
⚖️ Default 8% / 7%
Annual Budget
—
AAPL Value
—
Portfolio Net Worth
—
Retirement Risk
🐂 Bull 14% / 11%
Annual Budget
—
AAPL Value
—
Portfolio Net Worth
—
Retirement Risk
🎛 Custom —
Annual Budget
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AAPL Value
—
Portfolio Net Worth
—
Retirement Risk

Model Assumptions & Notes

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Paul Marquis

Silicon Valley-based retoucher and illustrator specializing in high-end product photography
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