Regime-aware projections
Instead of a flat “7% forever” line, we match today's market conditions to similar historical periods and simulate thousands of possible futures.
Analytics, not advice
See where your
See where your
retirement savings could go.
See where your retirement savings could go - and how well the projections actually hold up. Upload a CSV or screenshot of your accounts — no brokerage logins, ever. SmartMoney projects your balance with a market-regime-aware model, then grades its own forecasts against what actually happens.
Regimeaware projections
Gradedagainst reality
0brokerage logins
What you get
Projections that keep themselves honest.
Most trackers tell you where you are. SmartMoney shows you where you could be headed — and owns up to how well it guessed.
Honest about uncertainty
Every projection is a labeled hypothetical scenario with a range — not a promise. You see the pessimistic and optimistic bands, not just a single guess.
Keeps score
We save each forecast and compare it to reality as time passes, so you can see exactly how accurate the projections have actually been.
Your data stays yours
Bring your own data by upload. No account linking, no stored brokerage credentials, no trackers. Just your numbers and the math.
How it works
Four steps to a projection you can trust.
No linking, no setup wizard — you're looking at real numbers in minutes.
01
Upload your data
Drop in a CSV or screenshot of your accounts. We never ask for a brokerage login.
02
See the projection
A regime-aware Monte Carlo model draws your likely range — pessimistic to optimistic.
03
Save a forecast
Pin the current projection so it can be checked against reality down the road.
04
Watch it get graded
As target dates pass, we score predicted vs actual — so accuracy is measured, not claimed.
The line we hold
Analytics, not advice.
SmartMoney is a calculator, not an adviser. It applies transparent math to the numbers you give it and shows you scenarios and observations about your own data and your own stated goals.
- It will never tell you what to buy, sell, or how to allocate.
- Every projection is labeled hypothetical, with its assumptions shown.
- Observations describe your numbers — they never prescribe an action.
“A calculator computes; the user decides.”
TurboTax isn't a CPA. Portfolio Visualizer isn't an RIA. SmartMoney isn't an
investment adviser — it's a tool that helps you understand your own money.
Ready to see your numbers?
Upload your data and get an honest projection in minutes — free to start.