Financial Decisions

Plan dividend income, portfolio growth and long-term financial strategies

Income Planning
Portfolio Planning
Financial Independence
ℹ️ This is not a market prediction tool. Results are based on your assumptions (yield, growth, contributions).
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Regular Monthly Investment
Your monthly contribution added to the portfolio. Example: $500/month = $6,000 invested per year.
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Dividend Yield
Expected annual dividend yield of the portfolio. Example: 8% yield = $8,000/year on a $100,000 portfolio.
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Dividend Reinvestment (DRIP)
When enabled, dividends are automatically reinvested to buy more shares, accelerating portfolio growth.
Input Parameters
Try an example:
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Simulation Results
Fill in the form and click Calculate to see the results.

💾 View My Plans | After saving, find your simulation on the My Simulations page

🎯
Target Monthly Income
How much passive income you want from dividends each month.
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Required Portfolio
The total investment needed. Example: $300,000 at 8% yield = $2,000/month.
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Path to Target
How long it takes depends on your monthly investment. Dividends are reinvested (DRIP) to reach the goal faster.
Target Parameters
Try an example:
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Simulation Results
Fill in the form and click Calculate to see the results.

💾 View My Plans | After saving, find your simulation on the My Simulations page

☀️
Bonus Growth
What if things go well? Dividends grow +3% annually.
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Main Plan
Historical average. Dividends remain stable over time.
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Trial by Fire
What if markets freeze? Dividends decline -3% annually.
Base Parameters
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Simulation Results
Fill in the form and click Calculate to see the results.

💾 View My Plans | After saving, find your simulation on the My Simulations page

🔥
What is FIRE?
Financial Independence, Retire Early — when your dividends cover all monthly expenses.
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Growth & Inflation
The calculator factors in dividend growth and inflation to show real purchasing power over time.
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The 4% Rule
A safe withdrawal rate of 3-4% annually. At 8% yield, you have a buffer for market fluctuations.
FIRE Parameters
Try an example:
Income needed in retirement
Advanced assumptions ▶
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Simulation Results
Fill in the form and click Calculate to see the results.

💾 View My Plans | After saving, find your simulation on the My Simulations page

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Your Real Data
Uses your actual stocks, shares, and dividend data from your portfolio groups.
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Dividend Reinvestment
Dividends accumulate and are reinvested at your chosen frequency to accelerate growth.
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Growth Projection
See year-by-year and month-by-month how your portfolio and income could grow.
Portfolio Parameters
Stocks with shares from watchlist
0 - 1,000,000,000
1 - 100
0 - 50%
0 - 50%
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Simulation Results
Fill in the form and click Calculate to see the results.

💾 View My Plans | After saving, find your simulation on the My Simulations page

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Add Multiple Stocks
Build a portfolio from search, watchlist, groups, or load your existing positions with one click.
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Per-Stock Settings
Each stock can have its own dividend growth, price growth, reinvestment frequency and monthly contribution.
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Portfolio Assumptions
Apply the same assumptions to all stocks at once, then fine-tune individual stocks as needed.
Add Stocks
Starter Portfolios:

Automatically load stocks from your transactions

Portfolio Assumptions
0 - 50%
0 - 50%
0 - 20%
Selected Stocks 0
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Simulation Results
Fill in the form and click Calculate to see the results.

💾 View My Plans | After saving, find your simulation on the My Simulations page

⚖️
Paying Off vs Investing
Compares the impact of investing and paying off a mortgage on net worth.
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Interest & Principal
The simulation shows how much of each payment goes to interest and how much to principal.
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Net Worth Over Time
See how portfolio value and mortgage balance evolve over time.

🏠 Hypotéka

Investice

Pokročilé nastavení
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Simulation Results
Fill in the form and click Calculate to see the results.

💾 View My Plans | After saving, find your simulation on the My Simulations page