DIY Retirement Tools was created to help individuals take control of their financial planning journey. We believe that everyone should have access to powerful, easy-to-use tools for managing their investment portfolios, regardless of their financial expertise.
Our free online tools are designed to educate and empower you to make more informed decisions about your financial future.
Our portfolio rebalancing tool helps you maintain your desired asset allocation across multiple accounts. Whether you have a 401(k), IRA, or taxable brokerage accounts, this tool shows you exactly how to redistribute your investments to match your target allocation.
Visualize how your portfolio might grow over time with our projection tool. See the potential impact of different contribution rates, expected returns, and time horizons on your investment goals.
Planning for retirement withdrawals? Our withdrawal assistant helps you understand different withdrawal strategies, including the 4% rule, dynamic withdrawal methods, and tax-efficient withdrawal ordering from different account types.
Calculate your true investment performance using the time-weighted rate of return method. This tool accounts for cash flows (contributions and withdrawals) to give you an accurate picture of how your investments performed.
Yes! All your portfolio data is stored locally in your browser using localStorage. This means your financial information never leaves your device and is not transmitted to any servers. We cannot see or access your data.
Yes, all of our financial planning tools are completely free to use. We support the website through advertising.
No. Our tools are designed for educational and informational purposes only. They can help you understand financial concepts and explore different scenarios, but they should not replace professional financial advice. We recommend consulting with a qualified financial advisor for personalized guidance.
Our projections use standard financial formulas and the inputs you provide. However, actual results will vary based on market conditions, taxes, fees, and other factors not captured in our models. Projections are hypothetical illustrations, not guarantees of future performance.
Yes! Your data is automatically saved in your browser. You can also export your portfolio data as a JSON file for backup purposes or to transfer between devices. Use the Export/Import buttons on the main page.
Since your portfolio information is stored locally in your browser, clearing your browser data (cookies and site data) will remove your saved information. We recommend regularly exporting your data as a backup.
Asset allocation is the strategy of dividing your investments among different asset categories, such as stocks, bonds, and cash. The goal is to balance risk and reward according to your goals, risk tolerance, and investment timeline.
Rebalancing is the process of realigning the weightings of your portfolio's assets. Over time, as investments grow at different rates, your actual allocation can drift from your target. Rebalancing involves buying or selling assets to restore your desired allocation.
Tax-location (or asset location) is the practice of placing investments in the most tax-efficient account type. For example, tax-inefficient investments like bonds are often better held in tax-advantaged accounts, while tax-efficient investments like stock index funds may be better in taxable accounts.
DIY Retirement Tools provides tools for educational and informational purposes only. The information provided is not intended to be financial, investment, tax, or legal advice. Always consult with qualified professionals before making financial decisions. Past performance does not guarantee future results. All investments involve risk, including potential loss of principal.
Have questions, feedback, or suggestions? We'd love to hear from you!