Sextant

What it calculates

40 deterministic calculators across 10 areas of your financial life. Every figure is computed by a real engine from the numbers you provide — auditable arithmetic, not AI guesses.

The assistant routes your questions to these engines and explains the results. It shows you the outcomes of your own numbers — it does not give investment, tax, or legal advice.

Capital Gains BudgetOpen the plannerSee a live demo →Sign in

Tax & Capital Gains

1
  • Capital Gains Budget
    Cost of realizing extra ST/LT gains — stacked sources, threshold timeline, marginal rates

Retirement & Income

10
  • Retirement Projection
    When can you retire and how much will you have
  • Goal-Seek Solver
    Fix your target and ages, pick one dial — required return, savings, spend, or the odds — and solve for it exactly, in today's dollars
  • Monte Carlo Simulation
    Odds of success across thousands of market scenarios
  • Social Security Timing
    Claim at 62, 64, 67, or 70 — monthly + break-even
  • SS Lifetime ROI
    Take early and invest vs wait — cumulative payoff
  • Withdrawal Strategy
    4% rule vs guardrails vs percentage of portfolio
  • Distribution Strategy
    Tax-optimized order: RMDs → taxable → tax-deferred → Roth
  • RMD Calculator
    Required Minimum Distributions, inherited-IRA 10-yr rule, QCD
  • Annuity Analysis
    SPIA / deferred — break-even, inflation erosion, exclusion ratio
  • Pension: Lump Sum vs Monthly
    Payback age, present-value comparison, joint-and-survivor

Tax

4
  • Tax Projection
    Federal, SE, FICA, LTCG, NIIT, QBI, AMT, child credit, IRMAA, W-4 check
  • Roth Conversion Sequencer
    Multi-year bracket-fill respecting IRMAA, ACA cliff & SS-tax torpedo
  • ACA Subsidy (Premium Tax Credit)
    Net premium + room before the 400%-FPL subsidy cliff
  • Estate Tax Planning
    Gifting, intra-family lending at AFR, permanent $15M exemption (OBBBA)

Investing

3
  • Portfolio Allocation
    Age-based 3-fund, asset location by account, fee-drag projection
  • Efficient Frontier
    Mean-variance optimizer over capital-market assumptions; min-variance / max-Sharpe (incl. crypto as an alternative sleeve)
  • Peer Benchmarks
    Your net worth & savings vs Federal Reserve SCF medians by age

Housing

7
  • Mortgage — Amortization
    Full schedule with PMI
  • Mortgage — Affordability
    How much house you can afford on 28/36 DTI
  • Mortgage — Refinance
    Break-even analysis
  • Mortgage — Extra Payment
    Payoff savings + timeline
  • Mortgage — Bi-Weekly
    Extra-paycheck impact
  • Rent vs Buy
    Full cost comparison
  • HELOC
    How much you can tap and at what cost

Debt & Savings

3
  • Student Loan Optimizer
    Post-OBBBA plans (RAP), PSLF, avalanche vs snowball, refinance warnings
  • Savings Optimizer
    The minimum monthly 'magic number' to fund all your goals — plus a pay-yourself-first view of what's left to spend
  • What-If Scenario
    Before/after impact of any profile change on retirement, debt, taxes, net worth (fixed fan-out)

Insurance & Healthcare

3
  • Insurance Gap Analysis
    Life, disability, and umbrella coverage vs need
  • HDHP vs PPO
    Total cost at low/medium/high care, incl. HSA tax savings + crossover
  • Long-Term Care
    Self-fund vs insure; present-valued care scenarios + policy break-even

Career & Education

3
  • Career ROI — 2-Career Compare
    College vs trade, side-by-side lifetime earnings & net worth
  • Career Matrix
    20 careers ranked by 30-year net worth
  • Career Break-Even
    Salary a college path needs to beat a trade path

Business & Property

2
  • Rental Property ROI
    Cap rate, cash-on-cash, depreciation, vs index funds
  • Lease vs Buy
    Vehicles / equipment — §179, MACRS, business-use %

Statements & Net Worth

4
  • Financial Plan (one click)
    Retirement, debt, college & net-worth cards in one pass
  • Personal Financial Statement
    Balance sheet + income statement + key ratios
  • Unified Financial Statement
    Dual net worth (conventional vs economic), capitalized future obligations + a funded ratio
  • PFOS Report
    8-section comprehensive plan, present-valued at 3 / 5 / 7%