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Decided to payoff my mortgage.
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You could probably setup a quick little google sheet with the major accounts and some formulas for withdrawal rate and such.
I don’t know how much I trust a free (or even paid) app or plugin to access all of my important financial data.
I did this and plan to test with Projection Lab.
Subject Expert
Projection Lab, for $100 a year.
I hear Boldin is also good.
I’d be interested to know if anyone recommends free ones.
Free commercial ones such as empower are far worse - but perhaps better than nothing.
I’m sure some are doing good things in excel too.
If you are several years away, then estimating when you’ll hit the 4% rule may also be fine,
Also remember unknown future investment returns will mean the range could be +\- 5 years until you get very close.
I use Projection Lab and I like it.
visit 2Sides of FI website and find the link to the free SWR toolkit spreadsheet
its in Google Sheets format and can be easily converted to Excel if you have excel
Boldin working well for me, and their Reddit forum is very useful.
Bowl Leader
Didn’t love Boldin, personally. Interested in trying projection lab next.
Flexible retirement planner is free and has been highly accurate from our use. It is a bit clunky/dated. Think windows app. We used it for a few years and now pay for Boldin. If you want free it is probably the best free one out there.
I use the planning tools within the RBC portfolio management app but I have half of my investments with them so I'm not sure if that's why it's "free."
Have Claude create you a custom app for you .
I have been using Claude Pro to evaluate my portfolio. This version is so bad, and shameless. Made mistakes, and after I pointed them out, took credit for “discovering” the mistakes 😂
Empower personal dashboard