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Draft Your Estate

Map the dimensions of your wealth
Precision in. Precision out.
Date of Birth
Location (Tax Base)
Gross Annual Salary
Effective Tax Rate
%
Filing Status
Target Retirement Date
Plan Through Age
Co-Architect / Spouse
Fixed monthly and annual expenses
Charitable Giving & Donations
Total Operating Overhead: $0
Expense-to-Income Ratio (Overhead vs. Income): 0%
Target Annual Spend
The benchmark elevation for your financial future.
When you claim Social Security changes how long your portfolio has to carry you.
Income Timing Hall
Your current claiming plan is the baseline. Each option shows how timing changes your guaranteed income, supported spend, and conservative floor.
How this works ▾
This is not just a Social Security benefit estimate. The Studio tests each claiming path against your current accounts and spending target to see how timing affects the whole retirement structure.

Delaying both benefits usually creates the largest monthly check, but it also forces your portfolio to carry more years alone. Starting earlier can reduce that pressure — sometimes enough to support more spending overall.
Current Claiming Plan
Primary
SSA.gov Monthly Estimates
Enter the monthly benefit amounts shown on your SSA.gov statement — not the annual total. Studio annualizes them for the engine. Age 67 is treated as Full Retirement Age in this model.
Primary
Age 62 /mo
Age 67 /mo (FRA)
Age 70 /mo
Establish the market conditions your portfolio will face. This calibrates the algorithmic blend used to stress-test your estate and project your Range.
Active Methodology & Weighting
Historical Bootstrap25%
Parametric Log-Normal25%
Regime Bootstrap25%
CAPE-Adjusted25%
History Repeats [ AMB ]
Equal trust in all models. The full historical record speaks equally.
Active Methodology & Weighting
Historical Bootstrap40%
Parametric Log-Normal30%
Regime Bootstrap15%
CAPE-Adjusted15%
Valuations Matter [ BARO ]
Current high CAPE predicts lower returns. Trusts valuation-aware models more.
Active Methodology & Weighting
Parametric Log-Normal50%
Historical Bootstrap30%
Regime Bootstrap10%
CAPE-Adjusted10%
Cautious [ CRYO ]
Structurally pessimistic. Overweights the regime model mapping expensive markets.
Active Methodology & Weighting
Regime Bootstrap35%
Historical Bootstrap25%
CAPE-Adjusted25%
Parametric Log-Normal15%
Optimistic [ THRM ]
Trusts the full historical record more — markets have always eventually recovered.
Active Methodology & Weighting
User Defined Matrix100%
Custom Matrix [ OVR ]
Manually define your exact confidence weighting across all 4 models.
100 / 100
HOW YOUR PROJECTION IS CALCULATED The simulation engine relies on the exact coordinates you provide. Core structural metrics—Age, Retirement Horizon, Target Spend (Datum), Tax Rates, and heavily-weighted assets (401k, IRAs, Pensions)—directly calibrate the thousands of market scenarios in your projected Range. Liabilities map your Net Worth, but do not dictate the survival rate. Calibrate your inputs truthfully to generate a structurally sound projection.
We see your inputs only long enough to compute your plan. We store nothing. We sell nothing.
LEGAL FIREWALLCapital housed within this wing is legally decoupled from the primary Estate. It is immune to core structural collapse, shielded from standard liability modeling, and designated exclusively for generational transfer.
ESTATE SQUARE FOOTAGE
$0
System Velocity$0 / YR
Expense-to-Income Ratio0%
Contributions$0 / MO
Compound Yield$0 / MO
Interest Drag$0 / MO
ESTATE STRUCTURAL LOAD
Simulate CollapseApplies a -30% volatility shock to all liquid equities. Maps structural contraction and velocity decay in real-time.
Tax-Drag TopographyVisualizes tax friction. Pre-Tax (hot orange) indicates trapped tax liabilities. Roth (cool blue) indicates zero-friction capital. Trusts glow shielded purple, and active Debts burn red.
Visualize PlumbingTraces the algorithmic sequence of capital extraction (Liquid → Pre-Tax → Roth). It also maps high-velocity pipelines from your Liquid reserves to any liability explicitly marked 'Target for Accelerated Payoff'.
Target Spend BenchmarkDraws a fixed laser line representing your Target Annual Spend to visually scale Estate coverage.
> INITIALIZING DATUM V-SCAN ENGINE
> COMPILING ARCHITECTURAL ASSETS
> ISOLATING LIQUIDITY FRICTION
> RUNNING 10,000 FUTURES...
> APPLYING THERMODYNAMIC SHOCK
> MAPPING STRUCTURAL BOUNDARIES
> DATUM LOCKED. PREPARING DOSSIER.
THE ESTATE
STRUCTURAL CEILING
YOUR DATUM
SURVIVAL FLOOR
Computation Error

We could not compute your Range.
Please check your inputs and try again.

Scenario Comparison