Tools
Pacific Wealth Desk calculators
Free, in-browser calculators built for dual-income households optimizing taxes and benefits, tech and media workers with equity concentration, and pre-retirees balancing housing wealth and retirement accounts. Adjust the assumptions, stress-test the outcome, and pair each run with the guide that explains the trade-offs.
Catalog
What you can run here
Every calculator below is live, free, and runs entirely in your browser — change any assumption and the output updates instantly.
- Change any number and the results update as you type.
- Every figure is arithmetic on the numbers you enter: not a forecast and not advice.
- Nothing you type leaves your browser.
- Compound trajectory labProject how regular contributions grow over time under different return, fee, and timeline assumptions.
- Allocation drift checkCompare your current mix against a target allocation and see where drift has crept in.
- Retirement runway modelModel your retirement runway from savings rate, timeline, and expected returns — then stress-test it.
- Recovery requirementsSee the gain required to recover from a loss, and how long recovery may take at different return rates.
- Risk budgeting sketchWeigh potential upside against downside so position-sizing decisions stay deliberate.
- Options payoff explorerChart payoff profiles for basic options positions before committing real money.
- Purchasing power & price pathsEstimate what rising prices do to purchasing power and future spending needs.
Tool 1 of 7
Compound trajectory lab
- What it answers
- Project how regular contributions grow over time under different return, fee, and timeline assumptions.
- Read with it
- First-Time Investor Basics for California Savers
Future value
$1,185,264
Projected ending balance under the current compounding path.
Your contributions
$460,000
Starting capital plus every monthly contribution.
Investment growth
$725,264
The share created by compounding instead of deposits.
Output path
The line updates immediately as you change the assumptions.
Year 0 to Year 20
Tool 2 of 7
Allocation drift check
- What it answers
- Compare your current mix against a target allocation and see where drift has crept in.
- Read with it
- First-Time Investor Basics for California Savers
Enter current and target weights. The model normalizes them to 100% and flags any sleeve that sits outside your drift band.
equities
fixed Income
alternatives
cash
Largest sleeve
55%
Share of the portfolio in the single biggest holding.
Effective sleeves
2.6
A lower value means the portfolio behaves like fewer real bets.
Concentration score
0.39
Herfindahl-style concentration across the current weights.
equities
Current 55% vs target 60%
Drift: -5%. Keep this sleeve within +/-5% to stay inside the current policy.
fixed Income
Current 25% vs target 20%
Drift: 5%. Keep this sleeve within +/-5% to stay inside the current policy.
alternatives
Current 10% vs target 10%
Drift: 0%. Keep this sleeve within +/-5% to stay inside the current policy.
cash
Current 10% vs target 10%
Drift: 0%. Keep this sleeve within +/-5% to stay inside the current policy.
Tool 3 of 7
Retirement runway model
- What it answers
- Model your retirement runway from savings rate, timeline, and expected returns — then stress-test it.
- Read with it
- How California Taxes Your Retirement Income
Nominal balance
$3M
Raw dollars at the retirement start date.
Today's dollars
$2M
Inflation-adjusted view of the same future balance.
4% rule estimate
$130K
A quick annual draw estimate before tax planning.
Output path
The line updates immediately as you change the assumptions.
42 to 65
Sustainable real income
$112K
Approximate annual spending in today's dollars if the portfolio must last through retirement.
Tool 4 of 7
Recovery requirements
- What it answers
- See the gain required to recover from a loss, and how long recovery may take at different return rates.
Value after drawdown
$800,000
Capital left to compound from the lower base.
Required gain
25%
Gain needed just to get back to breakeven.
Years to recover
2.9 years
At the assumed annual return with no new deposits.
Recovery map
Tool 5 of 7
Risk budgeting sketch
- What it answers
- Weigh potential upside against downside so position-sizing decisions stay deliberate.
Risk / reward
2.25x
Reward dollars divided by risk dollars per share.
Position size
312
Maximum shares before you exceed the trade risk budget.
Capital required
$31,200
Approximate gross exposure at the chosen entry.
Trade framing
Per-share risk
$8
Per-share reward
$18
Risk budget
$2,500
This framework assumes a single trade with one stop and one target. If your stop is likely to slip in fast markets, size down before you size up.
Tool 6 of 7
Options payoff explorer
- What it answers
- Chart payoff profiles for basic options positions before committing real money.
Breakeven
$105
Expiration price where the payoff crosses zero.
Max gain
Unlimited
Capped when the structure has a natural ceiling.
Max loss
$500
The most this position can lose at expiration.
Output path
The line updates immediately as you change the assumptions.
$60 to $140
Tool 7 of 7
Purchasing power & price paths
- What it answers
- Estimate what rising prices do to purchasing power and future spending needs.
Purchasing power
$55,368
Illustrative real value of idle nominal dollars after inflation— assumes zero nominal investment return.
Nominal future tag
$180,611
Rough sticker price for the same basket when inflation compounds at the rate you entered.
Nominal cumulative lift
80.6%
Percent increase from today’s dollars to the nominal future tag.
Output path
The line updates immediately as you change the assumptions.
Y0 to Y20
Horizon
20 years
The chart traces purchasing power if nominal dollars earn 0% while prices rise at your inflation assumption—pair with compound-growth and retirement tools when modeling returns.
Find an advisor
Get matched with an advisor who specializes in California households
Answer a few short questions. We review your answers, contact you to confirm what you need, and match you with a licensed financial advisor who specializes in California households.
- Answer a few short questions. Ranges are fine for money.
- We read your answers and reach out to confirm the question you want settled.
- We match you with a licensed financial advisor who works with California households. A match is an introduction, not a promise of any result.
Being matched is not a recommendation or a rating of any advisor. It costs you nothing and commits you to nothing; the advisor gives you their own disclosures and fees before you decide.