360NetWorth — Free Planning Tools

Four tools · completely free

Retirement Planning

Retirement & Net Worth Planner

A full cash flow model with pre-tax, Roth, and after-tax portfolio buckets — plus real estate equity, annuity, and life insurance CSV tracked year-by-year to your planning horizon.

Three-bucket portfolio model (Pre-Tax · Roth · After-Tax) with separate return rates and RMD calculations starting at the right age for your birth year
Real estate section tracks two properties with full mortgage amortization, appreciation, and rental NOI feeding into annual net worth
Annuity and life insurance CSV projected year-by-year and included in total net worth
Social Security with three claiming strategies (62 · FRA · 70) and couple support
Care phase cost projection, scenario sliders, stress test grid, and year-by-year detail table
All fields pre-populated with realistic defaults — update only what applies to your situation

Open Retirement Planner →

Enter your numbers

All fields are pre-filled. Work through each section — Plan Basics through Life Insurance — updating values to match your client's situation.

Click Build My Model

Generates a full projection from current age through your planning horizon with all asset classes combined.

Use the scenario sliders

Adjust return rates, expenses, and extra savings live. Watch how small changes move the peak net worth and depletion age.

Save for a client

Enter their numbers, then use File → Save Page As in your browser. The saved file opens with their data pre-loaded — share it directly.

Choose your assets

Toggle SPY, QQQ, EFA, IEF, and IYR on or off. Each button activates that ETF's historical return data in the simulation.

Set the time period

Slide Start Year and End Year to isolate any sub-period — post-2008 recovery, the rate-shock era, or the full 2003–2025 history.

Click Optimize →

Runs 10,000 random portfolio combinations. The frontier curve and key portfolios (Max Sharpe, Min Variance) appear instantly.

Click any dot

Loads that portfolio's exact weights into Your Portfolio sliders. Hover any dot for CAGR, Std Dev, Sharpe, and component weights.

Build your own blend

Drag the weight sliders manually or use the presets (60/40, Equal Weight). Your star dot moves live on the frontier.

Portfolio Analysis

Efficient Frontier & Portfolio Optimizer

Monte Carlo mean-variance optimization across up to five asset classes — see where any portfolio blend sits relative to the efficient frontier, with full historical return data back to 2002.

SPY · QQQ · EFA (MSCI EAFE) · IEF (7-10yr Treasury) · IYR (US REIT) — toggle any combination
10,000 Monte Carlo simulations plotted as a Sharpe-colored cloud with the efficient frontier traced through the upper envelope
Click any dot to instantly load that portfolio — weights populate the sliders, star moves on the chart
Your Portfolio panel with live sliders, presets (60/40, Equal Weight, Max Sharpe, Min Variance), and real-time stats
CAGR · Std Deviation · Sharpe Ratio · Max Drawdown shown for every portfolio on hover
Year-by-year return table, correlation matrix, and full annual data 2002–2025

Open Portfolio Optimizer →

Tax Strategy

Roth Conversion Optimizer

Compare three strategies side by side — do nothing, convert all now, or optimized bracket-fill — and see exactly what the family keeps after taxes, including what heirs actually inherit from pre-tax accounts under SECURE 2.0.

Bracket-fill optimizer with dual ceiling: federal tax bracket limit and IRMAA Medicare surcharge threshold — conversions never trigger a higher Medicare premium
All three scenarios shown side by side with full year-by-year table — Pre-Tax, Roth, Conv/RMD, Tax, Client Value, and Heirs Get for every age
Heir rate input applies the SECURE 2.0 10-year inherited IRA rule — shows the true after-tax inheritance vs. the gross account balance
Conversion taxes deducted directly from Roth — no outside cash assumption, no accounting tricks
RMD amounts shown in amber starting at age 73, IRMAA-constrained years flagged with ★
"What Transfers at Death" panel compares all three scenarios at your planning horizon

Open Roth Optimizer →

Enter portfolio balances

Input pre-tax IRA/401k balance, existing Roth, return rate, and current age. The tool models growth through your chosen end age.

Set your tax profile

Filing status, other taxable income (Social Security, rental, pension), state tax rate, and heir marginal rate for the estate calculation.

Choose bracket target

Select which bracket top to fill to — 12%, 22%, 24%, or 32%. The optimizer converts up to that ceiling each year, respecting IRMAA.

Read the table

Scan across any row to see all three scenarios simultaneously. Watch where Optimized separates from Do Nothing — that's your client conversation.

Select issue age

Choose from actual Mass Mutual illustrations at ages 35, 40, 45, and 50. Intermediate ages (36–49) are interpolated from adjacent illustrations.

Scale face amount

Use quick buttons ($250k, $500k, $1M) or enter any custom face amount. All CSV, death benefit, PUA, and income values scale proportionally.

Adjust distribution age

Drag the slider to model income starting earlier or later than the illustrated age 65. Phase 1 (surrenders to basis) and Phase 2 (loans) update automatically.

Explore the tabs

Overview shows CSV vs DB growth and IRR. PUA Flywheel shows the compounding engine. Income & Loans tracks the two-phase income model with loan balance.

Private Pension

Whole Life Cash Flow Projector

Model a Mass Mutual 10-Pay whole life policy as a private pension — showing the PUA flywheel, tax-free income phase, policy loan mechanics, and IRR at every age. Built from actual carrier illustrations.

Actual Mass Mutual illustrations for issue ages 35, 40, 45, and 50 — all values taken directly from the carrier, not estimated
Two-phase income model: Phase 1 surrenders PUAs to cost basis (tax-free return of premium), Phase 2 switches to policy loans — exactly as illustrated
Net Gain column shows the true economic return — negative during premiums, crossing positive at breakeven, then compounding sharply with income
Distribution start age slider models earlier or later income — estimates income using the observed 96% of prior-year CSV growth relationship
IRR calculated at every age for both CSV and death benefit scenarios — hover any chart point for exact values
$0 MAGI impact: policy loan income is invisible to Medicare, Social Security taxation, and federal/state income tax

Open WL Projector →

Important disclosures. These four tools are provided for educational and planning discussion purposes only. Projections are hypothetical and based on historical data and stated assumptions — they are not a guarantee of future performance. The efficient frontier optimizer uses annual total return data (dividends reinvested) sourced from Yahoo Finance; past performance of any ETF does not predict future results. Roth conversion projections use 2026 federal tax brackets and approximate IRMAA thresholds — consult a tax professional before acting. Whole life projections use actual Mass Mutual illustrations through age 64; values for custom distribution ages are estimates. Retirement projections use simplified assumptions for RMDs, Social Security, and drawdown order and do not constitute tax, legal, or investment advice. Real estate values are estimates and do not reflect transaction costs or tax consequences of sale. David Disraeli is a Personal CFO and holds an active Texas life insurance license. He is not an attorney and does not provide legal advice. Consult qualified legal, tax, and investment professionals before making financial decisions.