Wealth Trajectory Simulator

Quick Presets

Panel 1 — Income & Savings

Base Salary

Bonus (Expected)

Bonus Timing

Bonus Variability: ±30%

RSU Vests / Year (FMV)

Freelance / 1099 Income

Savings Rate: 25%

Income Growth Rate: 3%

Effective Tax Rate: 30%

Career Event Year (optional)

Panel 2 — Portfolio Buckets

401(k) / Tax-Deferred

Current Balance

Return (%)

Volatility σ (%)

Taxable / Brokerage

Current Balance

Return (%)

Cap Gains Tax (%)

PA / Private Alternatives

Current Commitment

Target Return (%)

Volatility σ (%)

Apply J-curve (yrs 1–3 dampener)

Cross-Asset Correlation: 0.60

Current Net Worth (all assets)

Panel 3 — Horizon & Goals

Horizon (Years)

Target Wealth ($)

HenryPulse Probability Engine

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Goal Prob.

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Median Year

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p50 at Target

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Median outcome

p10 (Worst Case)

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10th percentile

p90 (Best Case)

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90th percentile

Savings / Year

—

After-tax contribution

Simulating paths…

Net Worth Fan Chart — 1,000 Simulated Paths

p10 / p25 / p50 / p75 / p90

p50 median

p25–p75 band

p10–p90 band

You are here

Verdict Rationale

Configure your income and portfolio inputs to run the simulation.

Structural Insight Cards

⏱ Bonus Timing Delta

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Comparing Q1 vs Q4 at your bonus size

📈 PA vs Index Break-Even

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Required PA return to beat index fund

💰 PA vs Index — p50 Delta

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Median outcome with PA vs all-index

What-If Scenario Sliders

Re-runs the simulation live. Delta badges show impact vs baseline p50.

Savings Rate Adjustment +$0

±0% from base

Market Return Adjustment +$0

±0% from base

Income Growth Adjustment +$0

±0% from base

Sensitivity Analysis — What Drives Your Outcome

Impact on p50 net worth at target year from a ±1 standard-deviation move in each input.