Sextant
Financial Engine
Your choices, calculations laid bare
See what each path costs and pays — before you commit. Fixed calculators on numbers you control. No AI fibbing the math.
Numbers from named calculators you can re-run · Guest data stays on this device until you sign in · Sample path is ILLUSTRATIVE
Choose your entry path
Start here
Net worth over a lifetime — change one dial.
Your life path
Sample household — move the dial, same trajectory engine as chat.
One lever. Watch net worth and milestones shift before you commit.
What else you get
PFS, dials, market odds, allocation — same engines as chat.
Personal Financial Statement
1 / 5 · Assets, book debts, and long-term funding obligations — same engine as chat/PDF.
Assets
Emergency Fund
$25,000
Brokerage
$40,000
Cryptocurrency
$15,000
Primary Residence
$450,000
Total assets
$810,000
Liabilities (debts on the books)
Credit Card
18% APR
$5,000
Mortgage
4.5% · $2,100/mo
$320,000
Total book debts
$325,000
Long-term funding obligations (planning — not bank debt)
Retirement Income Need
80% replacement for 23 yrs, less SS. Gap: $487,752. Current savings alone would fund ~$1,387/mo of that NET need - SS/pension and future contributions are on top; the full projection lives in the plan.
$737,752
College Funding (2 children)
4 yrs @ $35,000/yr (inflated). Gap: $389,444
$419,444
Total funding obligations
$1,157,196
Net worth
Assets minus book debts (funding needs shown above, not double-counted here)
$485,000
Debt-to-income
18%
Savings rate
42%
Emergency fund
3.5 mo
Housing cost
17%
What it can answer
Questions people ask — and which calculator answers them.
Sextant answers
With a sample household, retiring at 62 with $800K is tight if spending stays high — the engines show how many years the money lasts and what moves the needle (spend, return, Social Security timing).
How it got there
Retirement projection engine · real-dollar cash flows · optional Monte Carlo for odds across thousands of market paths
Intake and update
Intake & update
Your numbers live here
Expand a section to enter or edit. Saved to this device as a guest, or your account when signed in. Chat and Excel stay available — this doesn't replace them.
0 of 7 key fields · Add 4 more key fields for a first path
Guest (this device)
Drag a W-2, pay stub, or statement here
Text PDFs are redacted in your browser before upload. Scans use secure OCR. Values are confirmed in chat — nothing is force-written to your profile.
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How it works
Trust details when you want them.
Excel & export
Bulk edit offline
~130-field workbook on Account when signed in. Blank cells never wipe values.
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