Move the inputs. Watch your retirement take shape.
01 / YOUR TIMELINE
40 yrs
Where you are today — the starting point, and how many years of building still lie ahead before retirement.
65 yrs
The year you stop earning and start drawing — it sets how long your money has to grow and when the spending begins.
🎉 Congrats — you're already retired! Move the slider right to model a future milestone, or keep going to see what your current shape looks like.
93 yrs
How long you're planning for your money to last — a shorter retirement raises your boundaries, a longer one lowers them, so set it to the age you genuinely want to be covered through.
02 / YOUR CAPITAL
$750k
03 / YOUR CONTRIBUTIONS
$25,000
04 / SPENDING
$100k / yr
Your target annual retirement spending — the point you choose to test inside your Shape.
Private by design. The Sketch runs in your browser using a broad-stroke deterministic model. Inputs are not sent to Datum FI servers while using the Sketch. If you continue into Studio, your current inputs may be passed forward; recent inputs may be stored locally on your device for handoff or resume.
The Sketch uses geometric compounding. Your savings grow along three steady paths — conservative, baseline, and upside — at 1.5%, 3.5%, and 5.5% a year above inflation, anchored to long-run averages. They form your Estimated Floor, middle projection, and Estimated Ceiling. Every figure is in today's dollars, and each boundary sets aside a flat 8% for taxes. Market outlook, inflation, and your actual tax rules are modeled in the Studio by the full engine.
Plan-Through Age sets how long the money has to last. It's the one input that isn't about how hard your plan works, but how long — and it reshapes everything downstream. A shorter retirement means each dollar covers fewer years, so the same capital safely supports more spending: your Estimated Floor, Estimated Ceiling, and target all rise. A longer retirement spreads the same capital thinner, and all three settle lower. Set it to the age you genuinely want to be covered through — it's an honest assumption, not a dial to make the numbers look better.
Before a Reveal, your Floor and Ceiling are quick estimates. Your Estimated Floor assumes cautious growth and a lower withdrawal rate. Your Estimated Ceiling assumes strong growth and a higher one. Your Spending line is different: it shows the savings your spending would need, using the 4% rule as a simple yardstick, and it moves with your plan-through age like the other two. So the three lines answer three plain questions: how low it could go (Floor), how high it could reach (Ceiling), and what your spending costs in savings (Spending). Reveal your Range to test them. Your tested Floor is the most you can spend and still get through the stress histories your Load Test asks for. Your tested Ceiling is the most you can spend while, on average, 90 of every 100 planned dollars still arrive.
Timeline
Capital
Spending
Contributions
DATUM INTELLIGENCE
ESTIMATED CEILING
Estimated Ceiling: a quick estimate of what you could spend each year if growth is strong. Reveal your Range to see your tested Ceiling.
$0 / $0 yr
SPENDING
Spending — the yearly spending you want in retirement, and the total capital needed to make that spending possible.
$0 / $0 yr
ESTIMATED FLOOR
Estimated Floor: a quick estimate of what you could spend each year if growth is cautious. Reveal your Range to test it against the stress histories.
$0 / $0 yr
Growth Period—
A quick estimate. Reveal your Range to test it against the stress histories.
Projections are illustrative only. Not financial advice.
Shape State:INITIALIZING?
What it Means:Calculating...
What to Consider:Calculating...
Initializing retirement projection canvas...
Phase II — Architecture
You've drawn the shape you have. Now draw the one you want.
Every boundary here can move. Pull one and the Sketch shows what it would cost to hold the new shape — in years, in dollars, or in trade-offs.
PHASE II — ARCHITECTURE
Design Your Shape
The Sketch
Design lets you test a new Shape. The dashed lines show where you started; the solid shape updates as you move inputs or pull boundaries.
01 / YOUR TIMELINE
40 yrs
Where you are today — the starting point, and how many years of building still lie ahead before retirement.
65 yrs
The year you stop earning and start drawing — it sets how long your money has to grow and when the spending begins.
🎉 Congrats — you're already retired! Move the slider right to model a future milestone.
93 yrs
How long you're planning for your money to last — a shorter retirement raises your boundaries, a longer one lowers them, so set it to the age you genuinely want to be covered through.
02 / YOUR CAPITAL
$750k
03 / SPENDING
$100k / yr
Your target annual retirement spending.
04 / YOUR CONTRIBUTIONS
$25,000
Private by design. Inputs are not sent to servers while using the Sketch.
CURRENT SHAPETEST SHAPE
Estimated Ceiling
Estimated Ceiling: a quick estimate of what you could spend each year if growth is strong. Reveal your Range to see your tested Ceiling.
———
Spending
Spending — the yearly spending you want in retirement, and the total capital needed to make that spending possible.
———
Estimated Floor
Estimated Floor: a quick estimate of what you could spend each year if growth is cautious. Reveal your Range to test it against the stress histories.
———
Growth Period
———
Current Shape:—
Test Shape:—
What it Means:Move a slider to begin.
What to Consider:Design values update live.
Most Impactful Lever:—
What Changed:No changes yet.
ESTIMATED CEILING TENSION
This move lowers your Estimated Ceiling — the best your plan can support if markets cooperate. At 30% you're trading away some upside. At 60% the strong-market path now tops out much lower.
0%
ESTIMATED FLOOR TENSION
This move lowers your Estimated Floor, what you could spend if growth is cautious. At 30%, your safety margin is getting thin. At 60%, it has dropped sharply.
0%
SPENDING TENSION
You're pulling your target higher than your discovered position. At 30% the upper paths still carry it. At 60% you're approaching or past the Estimated Ceiling — the plan needs stronger inputs to support this lifestyle across modeled outcomes.
0%
As you design your Want, these bars show how much pressure each change puts on your Estimated Ceiling, Estimated Floor, and spending target.
A quick estimate. Reveal your Range to test it against the stress histories.
TO REACH THIS DESIGN:
Drag the Estimated Ceiling, Estimated Floor, or Datum handles to design your shape.
↺ Design reset to discovered shape
———————————
PHASE III — TENSION
You Sketched your Shape. Now see the tension.
Your Estimated Floor, Spending, and Estimated Ceiling are structural boundaries — not forecasts. Below is the Shape your plan projects, the Shape you want, and what it will take to resolve the difference.
The Shape Begins
You're —, planning to retire at —.
That's — years to build.
And you're planning through — — about — years of retirement to fund, which is what sets how far this money has to stretch.
You have — saved today,
adding —/yr.
You want to spend —/yr in retirement.
Tax drag: —.
Inflation: —.
This is what you brought. The Sketch turned it into a shape.
Shape You Have
—
Estimated Ceiling
Estimated Ceiling: a quick estimate of what you could spend each year if growth is strong. Reveal your Range to see your tested Ceiling.
—
Spending
Spending — the yearly spending you want in retirement, and the total capital needed to make that spending possible.
—
Estimated Floor
Estimated Floor: a quick estimate of what you could spend each year if growth is cautious. Reveal your Range to test it against the stress histories.
—
Shape You Want
—
Estimated Ceiling
Estimated Ceiling: a quick estimate of what you could spend each year if growth is strong. Reveal your Range to see your tested Ceiling.
—
Spending
Spending — the yearly spending you want in retirement, and the total capital needed to make that spending possible.
—
Estimated Floor
Estimated Floor: a quick estimate of what you could spend each year if growth is cautious. Reveal your Range to test it against the stress histories.
—
The Shape You Have
—
The Shape You Want
—
⚠️ This shape cannot be sustained. Your spending target exceeds what the portfolio can support in most market sequences. See the action below to fix it.
How to Resolve the Tension
The Sketch shows the shape. It can't show you the path.
The Sketch uses one straight-line projection. It doesn't know your account types, your Social Security options, what happens if markets drop in year two of retirement, or how Roth conversions change your Estimated Floor. Those aren't details — they're the difference between a shape that holds and one that breaks.
Studio runs your actual numbers across 10,000 market sequences. It shows you where the gaps are and which levers are most likely to close them.
The Sketch traced three paths. Studio runs 10,000 — against your actual accounts, your actual sequence, showing which outcomes hold, which break, and exactly where the gaps are.
10,000 paths. Your accounts. Your sequence. Your Shape.
The Sketch gave you boundaries. An Estimated Floor. Your spending. An Estimated Ceiling.
It used three inputs and three paths to get there.
You already know the questions it couldn't answer.
What the Sketch assumed
Flat tax drag
No Social Security
Three market paths
Constant spending
What Studio actually models
Account-level tax sequencing
Social Security timing & COLA
10,000 Monte Carlo paths
Dynamic spending + inflation
You're more informed than you were 5 minutes ago.
You've seen your shape. You've felt the tension. The only question left is whether that shape actually holds.
10,000 paths · Your accounts · Your sequence · Your Shape.
Overwrite Sketch?
You already have a saved sketch. This will replace it with your current design.
Before you sketch
You are about to draw the Shape of your Retirement.
The Sketch is a fast, private starting point. You will begin in Discover, move into Design, then see the tension between the Shape you have and the Shape you want.
01 / Discover
Find the Shape you have.
Enter the basics: timeline, portfolio, target, contributions, and market view. The Sketch gives you a first Estimated Floor, Spending, and Estimated Ceiling.
02 / Design
Test the Shape you want.
Move the inputs or pull the boundaries. The dashed line shows where you started; the live line shows what changed.
03 / Tension
Resolve what changed.
The Sketch shows the gap in plain English: more time, more capital, lower spending, or a deeper Studio test.