Assumptions, not advice
These tools perform bounded arithmetic from your inputs. They do not determine legal obligations, lender approval, investment suitability or future returns. Each page describes its exclusions and includes an independently worked example.
Sources and validation
AllMarkets uses linked primary or specialist references for definitions and background. AI assisted implementation. Known numerical cases, invalid inputs and responsive browser behaviour are tested. No licensed reviewer or professional certification is claimed.
Privacy and export
Ordinary inputs use page memory. On four selected tools you can explicitly save numeric scenarios in local browser storage. They are not sent to a calculation API or stored in cookies. CSV is generated locally when requested; it contains result labels and values. Ordinary hosting logs can record page URLs and IP addresses.
Precision
Calculations use floating-point arithmetic. Most displayed results round to two decimals; CSV retains numeric precision. They are estimates, not a payroll ledger, bank statement or binding quote. Rounding rules and model-specific limits appear with each calculator.
Corrections
Check currency, units and time periods first. Report a suspected error using the main site contact options, including the tool name and a non-sensitive example.
Retirement-specific definitions
All amounts use one currency. FIRE and Coast inputs use current annual purchasing power. Other income is assumed available from the start in the same purchasing power. Future benefit commencement, taxes and account restrictions are not modeled.
Fees and accumulation timing
Annual net nominal growth=(1+gross annual return)×(1−percentage asset fee). Real growth divides this by(1+inflation). Accumulation converts the annual net factor to its twelfth root and adds fixed nominal contributions after each monthly growth event. Tables retain each year-end balance and cumulative contributions. Nominal and purchasing-power series are two views of the same account, not separate investments.
Withdrawal timing and cash reconciliation
The first year uses base spending and other income; both are indexed from year 2. Requested portfolio cash is max(0, spending−other income). A beginning-of-year withdrawal occurs before growth and the asset fee; an end-of-year withdrawal follows both. Funding is capped at available assets. The table continues requested cash after depletion, separating funded and unfunded amounts. First unfunded year ignores only residual differences no larger than 0.0000001 currency units.
Sequence experiment
The entered list and its reversal contain the exact same gross annual return observations. Both use identical timing, fees, starting capital and cash requests. No external market data, historical labels, random sampling or Monte Carlo probability is used. No-cash-flow products of identical growth factors are order-independent.
Range and precision
Whole ages, years and bounded rates are required. Return lists contain 1–100 annual percentage values. There are at most 100 model years; values beyond 10^18 in magnitude are rejected rather than displayed as Infinity. CSV retains numeric precision. Tiny display rounding can differ from hand calculations rounded at each intermediate step.
Optional scenario storage and links
Four numeric-input tools offer two independent scenarios and explicit local Save, Load and Delete commands. No storage occurs until you choose Save. A shared link uses numeric inputs in its URL fragment; anyone with the link can read them. These tools do not accept account names or notes in the scenario format. The return-order tool already compares the entered and reversed lists and exports both complete schedules; it does not store or share those lists through the numeric scenario format.
What verification does not mean
Known mathematical cases, depletion, negative/zero returns, timing and UI behavior are tested. AI-assisted implementation and independent software review do not constitute professional financial certification, historical validation or a proven safe withdrawal strategy. Model defaults are invented scenarios.