The Desk
Fintech Tools
A working set of wealth and valuation instruments — the same arithmetic that sits behind an advisor's desk, made transparent. Adjust the inputs; every figure recalculates.
TOOL 01
Capital Growth Projector
Project a portfolio's nominal value from an initial balance, recurring contributions, and an assumed annual return.
Projected value
$5.48M
Year 25
Total contributed
$1.75M
Investment gains
$3.73M
213% of contributions
- Portfolio
- Contributed
Hover for values
Nominal figures; ignores taxes and inflation. Monthly compounding at 0.583% per month. Illustrative only — not a forecast.
TOOL 02
Discounted Cash Flow Valuer
A compact two-stage DCF: explicit free-cash-flow forecast, Gordon-growth terminal value, bridge to equity value per share, and a WACC × terminal-growth sensitivity table.
Enterprise value
$9.96B
Equity value
$8.76B
Value / share
$21.90
Terminal share of EV
76%
High — scrutinize g & WACC
Forecast cash flows ($M)
| Year | FCF | PV |
|---|---|---|
| 1 | 540 | 495 |
| 2 | 583 | 491 |
| 3 | 630 | 486 |
| 4 | 680 | 482 |
| 5 | 735 | 477 |
| TV | 11585 | 7530 |
Sensitivity — value per share
| g \ WACC | 8.0% | 8.5% | 9.0% | 9.5% | 10.0% |
|---|---|---|---|---|---|
| 2.00% | 24.50 | 22.33 | 20.47 | 18.86 | 17.46 |
| 2.50% | 26.55 | 24.03 | 21.90 | 20.08 | 18.50 |
| 3.00% | 29.00 | 26.04 | 23.57 | 21.49 | 19.70 |
Educational model. Real valuations require a full operating model, WACC derivation, and scenario analysis. Not investment advice.
TOOL 03
Fee Drag Analyzer
Compare two all-in annual cost levels on the same portfolio to see how fees compound against the investor over time.
Ending value @ 0.10%
$7.88M
Ending value @ 1.00%
$6.02M
Cost of the fee gap
$1.86M
23.6% of the low-cost outcome
- 0.10% fee
- 1.00% fee
Hover for values
Fees deducted from return each period. Does not model tax drag, trading costs, or differences in strategy. Illustrative only.
TOOL 04
Asset Allocation Studio
Set strategic weights across four sleeves and see the implied expected return and volatility under editable long-run assumptions.
Edit assumptions
Expected return
5.95%
Expected volatility
10.61%
1σ annual
Return / risk
0.28
Excess over cash ÷ σ
Equities
60%
r 7.0% · σ 16.0%
Fixed Income
25%
r 4.0% · σ 6.0%
Alternatives
10%
r 6.0% · σ 12.0%
Cash
5%
r 3.0% · σ 1.0%
Approximate 1-year range (±1σ)
Assumptions are illustrative long-run placeholders, not forecasts. Uses a simplified 0.30 correlation between risk sleeves and zero for cash. Not investment advice.
TOOL 05
Wealth Horizon Planner
Project wealth in today's dollars through accumulation and drawdown, with a sustainable-income estimate at the chosen retirement age.
Wealth at 62
$6.18M
Today's dollars
Annual income
$247.4K
4.00% initial withdrawal
Real return
3.90%
Net of inflation
Depletion
Not by 95
Hover for values
Deterministic projection in real terms; income held constant in today's dollars. Ignores taxes, Social Security, and sequence-of-returns risk. Illustrative only.
Disclaimer
The research and analysis presented on this website are for educational and informational purposes only. They do not constitute personalized investment advice, a recommendation to buy or sell securities, or an offer of investment advisory services. Financial models rely on assumptions and may contain errors or uncertainties. Tool outputs depend entirely on user-supplied assumptions.
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