Why Invest?
PrimerCompounding + DCA + time in market. Consistency beats timing.
Investment Types
Pros & ConsETFs/Index, S&P 500, Bonds, Tech growth, Crypto.
Brokerage & Accounts
SetupFidelity / Schwab / Vanguard and the right account for taxes.
Retirement & Coast-FIRE
PlanEstimate FI number, coast amount, and on-track status.
Compound Interest Simulator
DCAProject balance with steady contributions. Change frequency, rate, and time.
Projected Balance
Total Contributions
$120,000
Projected Final Value
$300,851
Implied IRR (approx)
7.23%
Suggestions by Risk
3 / 5 / 10-yrRated by risk-adjusted return and volatility penalty.
Types: Pros & Cons
Tap a chip above for a deeper explainer.
ETFs / Index
Pro: Low cost, diversified
Con: Market drawdowns still apply
S&P 500
Pro: Strong, simple core
Con: US-centric risk
Bonds
Pro: Lower volatility, income
Con: Lower long-term return
Tech / QQQ
Pro: High growth exposure
Con: Higher volatility & concentration
Crypto
Pro: Asymmetric upside
Con: Extreme volatility / regulatory
Brokerage & Accounts
Pick a broker; choose tax wrapper wisely.
Account Types
- Brokerage: flexible, taxable.
- Roth IRA: post-tax in, tax-free out.
- Traditional IRA: pre-tax in, taxed later.
- 401(k): employer plan — get the match.
Quick Guidance
- Grab the 401(k) match first.
- Max a Roth IRA if eligible.
- Then build a taxable ETF core.
Retirement & Coast-FIRE
PlannerEstimate FI number and whether you’re on track.
FI Number
$600,000
Coast-FIRE Needed Today
$45,874
Projected at Retirement
$1,100,762
✅ On track: projection meets or exceeds FI by age 60.
🌊 Not at Coast-FIRE yet: the shown lump sum today would coast to FI.
Need a walkthrough?
Ask the built-in tutor anything about DCA, IRAs, risk, or this dashboard.