DATUM F|I

The Sketch.

Free. No signup. Just your numbers.
Current Age 40 yrs
Retirement Age 70 yrs
Current Portfolio Balance $1.50M
Your Datum (Target Spend) $100k / yr
Market Conditions
Historical Average
The market behaves like the last 100 years — crashes, booms, and everything between, proportionally. Your Range is calibrated against this full history.
Stress Test
The market behaves like the 1929 crash, 1970s stagflation, or Japan's Lost Decade — the worst scenarios in modern history. If your Range survives this, it survives anything.
EXPLORE THE INVISIBLE ARCHITECTURE
$400k $300k $200k $100k $0k STRUCTURAL CEILING STRUCTURAL CEILING $2.98M  |  $119,000 / yr Legacy is a measurement, not an estimate. Studio only → The mathematical limit of your plan's capacity. A structural constraint, not an aspirational target. SURVIVAL FLOOR SURVIVAL FLOOR (FIXED) $2.08M  |  $83,000 / yr Legacy is a measurement, not an estimate. Studio only → Floor holds in 99% of simulations + all stress scenarios. Survives the 1929 crash. Survives everything. YOUR DATUM YOUR DATUM $100,000 / yr Legacy is a measurement, not an estimate. Studio only →

The Invisible Architecture

What makes this different isn't what you see. It's what you don't have to.

TAX ENGINE
41-Year Sequencing
We model exact withdrawal order and bracket fills across all 41 years in every simulation.
DYNAMIC BEHAVIOR
Spending Guardrails
The engine automatically cuts spending during crashes and raises it during booms to protect the portfolio.
PORTFOLIO MATH
Allocation Glide-Path
We recompute volatility automatically as you de-risk from equities over time.
CASHFLOW TIMELINE
Income Layering
Income has seasons. We map every one: from bridge-years, to your pension's real decay.
VALUATION INTELLIGENCE
CAPE-Dynamic Weights
When markets are expensive, we automatically shift trust toward conservative models.
COST DRAG
Fee-Aware Returns
Every basis point has a name. We compute the exact drag of your holdings.
SEE STUDIO BENEFITS

Unlock the Blueprint.

The Sketch above is a baseline. The Studio is the exact measurement of your life.

The Sketch
Free Baseline Engine
  • Dynamic Range Physics
  • Basic Growth Projection
  • Assumes static 3.5% real return
  • Assumes linear tax distribution
  • Assumes median fee decay
  • No external income layered
Datum Studio
High-Fidelity Engineering
  • 41-Year Exact Tax Sequencing
  • Dynamic CAPE-Adjusted Models
  • Regime & Historical Bootstrap Sims
  • Automated Spending Guardrails
  • Pension & Cashflow Layering
  • Social Security Yield Optimization
  • Interactive Fragility Insights
  • Fee-Aware Drag Calculation
ENTER THE STUDIO →