Personal Finance · Wealth Planning · 3 Tools Live · 9 Coming Soon

The Open Wealth
Architecture Hub

A browser-based suite for long-term financial independence modeling. No accounts. No data uploads. Every calculation runs locally — on your device, under your control.

Zero PII · Client-Side Only 3 Tools · Cat-10 Monte Carlo Engine Portable Scenario State

Tools Live

Cat-10 · Personal Finance

Coming Soon

Full wealth planning suite

Simulations per Run

1,000

Monte Carlo · T107

API Calls

Zero

All logic runs in-browser

Treasury Onboarding Path

From financial snapshot to retirement confidence

A five-stage path from knowing your position to planning the drawdown.

Stage 1

Know Your Starting Position

Personal Finance Life Simulator

Stage 2

Model Your Growth Trajectory

Monte Carlo FIRE Simulator · T107

Stage 3

Stress-Test Your Allocation

Asset Allocation Heatmapper · Coming Soon

Stage 4

Optimize the Tax Layer

Roth vs. Traditional · Coming Soon

Stage 5

Plan the Drawdown

Social Security Bridge + Inflation Creep Destroyer · Coming Soon

The Portable Scenario State

One code. No account. Every device.

As you move between tools in this hub, your inputs are automatically preserved. At any point, generate a Scenario Code — a short alphanumeric string that contains only numbers, never personal data.

AIN-A7K2-LM9P-XR41

Cross-device continuity Calculate on desktop, text the code to your phone. Pick up exactly where you left off — no login, no sync.

Advisor sharing Share with a financial advisor without revealing your net worth. The code encodes only the scenario parameters.

Scenario comparison Compare scenarios with a partner by exchanging codes. Run two retirement projections side-by-side.

All 3 Live Tools in Cat-10

Tool 107 · Anchor Tool · PSS Enabled

Monte Carlo FIRE Trajectory Simulator

Run 1,000 market scenarios in your browser to find the true probability your retirement portfolio survives. Uses a parametric Monte Carlo model with Box-Muller sampling — not a static linear calculator. Outputs a probability cone, success rate, and Sequence of Returns Risk overlay. Save as a shareable Scenario Code via the Portable Scenario State system. Zero API. Zero PII.

1,000 Simulations · FIRE Probability Cone Client-Side PSS Enabled Sequence of Returns Risk

Open Tool

Existing Tool · Cat-10

Personal Finance Life Simulator

Model your complete financial life — income, expenses, assets, liabilities, savings rate, and net worth trajectory. Generates a financial health snapshot and long-term projection. The starting point for the Wealth Architecture journey.

Client-Side Zero PII Net Worth · Trajectory

Open Tool

Existing Tool · Cat-10 · Cross-Category

Startup Survival — Runway & Trajectory Simulator

Input monthly revenue, burn rate, cash balance, and growth assumptions to get a real-time SVG trajectory chart showing your current cash curve vs. an optimised scenario. Models Conservative / Base / Optimistic survival paths. Client-side. Zero PII.

Client-Side Zero PII Runway Chart · 3 Scenarios

Open Tool

Coming SoonBacklog

Compound Interest Explorer

Interactive compound growth calculator with tax-drag overlay and inflation adjustment.

Coming SoonBacklog

Asset Allocation Heatmapper

Visualize correlation and volatility across your portfolio allocations as an interactive heatmap.

Coming SoonBacklog

3-Fund Portfolio Builder

Model a three-fund lazy portfolio with rebalancing bands and tax-lot optimization.

Coming SoonBacklog

Sequence of Returns Risk Calculator

Isolate the impact of return ordering on retirement outcomes across historical crash sequences.

Coming SoonBacklog

Roth vs. Traditional Conversion Estimator

Model the long-run tax cost of Roth conversions vs. traditional deferral across income brackets.

Coming SoonBacklog

4% Rule Safe Withdrawal Calculator

Apply the Bengen rule with personalized adjustments for age, allocation, and spending flexibility.

Coming SoonBacklog

Inflation "Creep" Destroyer

Calculate how lifestyle inflation erodes FIRE targets and model frugality levers year by year.

Coming SoonBacklog

Social Security Bridge Calculator

Model portfolio drawdown in early retirement before Social Security benefits begin, including delay credits.

Coming SoonBacklog

Dividend Drag vs. Growth Simulator

Compare total return of dividend reinvestment vs. pure growth portfolios with tax-drag modeling.

Who This Hub Is For

💼

Individual Investor

🔥

FIRE Planner

🏦

Retirement Saver

📊

Financial Advisor
Client Demos

🎓

CFP Student

Quick-Start Guide

From net worth to retirement probability in five steps

Know your baseline. Open the Personal Finance Life Simulator. Enter your age, income, expenses, assets, and liabilities. The tool generates a financial health snapshot. Your inputs are automatically saved as a PSS state — you won't re-enter them.

Run the Monte Carlo simulation. Open T107 — Monte Carlo FIRE Trajectory Simulator. Your age and portfolio data from Step 1 will pre-populate via the Portable Scenario State. Set your target retirement age, planned spending, and asset allocation.

Read the probability cone, not the median. The P50 line is the median outcome. Focus on the P10 line — that is your downside scenario. If the P10 portfolio reaches $0 before your horizon ends, your plan needs adjustment.

Toggle the Sequence of Returns overlay. This shows what happens if markets crash in the first 5 years of your retirement. It is often more damaging than a crash in year 15. If the overlay drops your success rate below 70%, consider a 1–2 year delay or 5–10% spending reduction.

Generate your Scenario Code. Click "Generate Scenario Code" to save your exact scenario as an AIN-XXXX-XXXX-XXXX code. Text it to yourself, share it with an advisor, or load it on another device. No account required. No data leaves your browser.

Related Hubs

The Open WealthArchitecture Hub

The Open Wealth
Architecture Hub