←   Overview
PHASE I — DATA
Discover Your Shape

The Sketch

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.
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...