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Fenul Wealth Management calculators

Free, in-browser calculators built for individuals and families seeking financial planning, working professionals building wealth, and pre-retirees planning for income and security. Adjust the assumptions, stress-test the outcome, and pair each run with the guide that explains the trade-offs.

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Fenul Wealth Management LLC
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Tools
Reading time
1 min, 6 sections

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1Catalog

What you can run here

Every calculator below is live, free, and runs entirely in your browser — change any assumption and the output updates instantly.

  1. Compound trajectory lab

    Project how regular contributions grow over time under different return, fee, and timeline assumptions.

    Schedule A

  2. Allocation drift check

    Compare your current mix against a target allocation and see where drift has crept in.

    Schedule B

  3. Retirement runway model

    Model your retirement runway from savings rate, timeline, and expected returns — then stress-test it.

    Schedule C

  4. Recovery requirements

    See the gain required to recover from a loss, and how long recovery may take at different return rates.

    Schedule D

  5. Risk budgeting sketch

    Weigh potential upside against downside so position-sizing decisions stay deliberate.

    Schedule E

  6. Purchasing power & price paths

    Estimate what rising prices do to purchasing power and future spending needs.

    Schedule F

2Schedule A

Compound trajectory lab

Project how regular contributions grow over time under different return, fee, and timeline assumptions.

Interactive

Compound trajectory lab

Project how regular contributions grow over time under different return, fee, and timeline assumptions.

Future value

$1,185,264

Projected ending balance under the current compounding path.

Your contributions

$460,000

Starting capital plus every monthly contribution.

Investment growth

$725,264

The share created by compounding instead of deposits.

Output path

The line updates immediately as you change the assumptions.

Year 0 to Year 20

Year 0Year 10Year 20

Worked out in your browser from the figures you enter. The result illustrates those assumptions; it is not a projection or a recommendation.

3Schedule B

Allocation drift check

Compare your current mix against a target allocation and see where drift has crept in.

Interactive

Allocation drift check

Compare your current mix against a target allocation and see where drift has crept in.

Enter current and target weights. The model normalizes them to 100% and flags any sleeve that sits outside your drift band.

equities

fixed Income

alternatives

cash

Largest sleeve

55%

Share of the portfolio in the single biggest holding.

Effective sleeves

2.6

A lower value means the portfolio behaves like fewer real bets.

Concentration score

0.39

Herfindahl-style concentration across the current weights.

equities

Current 55% vs target 60%

Hold

Drift: -5%. Keep this sleeve within +/-5% to stay inside the current policy.

fixed Income

Current 25% vs target 20%

Hold

Drift: 5%. Keep this sleeve within +/-5% to stay inside the current policy.

alternatives

Current 10% vs target 10%

Hold

Drift: 0%. Keep this sleeve within +/-5% to stay inside the current policy.

cash

Current 10% vs target 10%

Hold

Drift: 0%. Keep this sleeve within +/-5% to stay inside the current policy.

Worked out in your browser from the figures you enter. The result illustrates those assumptions; it is not a projection or a recommendation.

4Schedule C

Retirement runway model

Model your retirement runway from savings rate, timeline, and expected returns — then stress-test it.

Interactive

Retirement runway model

Model your retirement runway from savings rate, timeline, and expected returns — then stress-test it.

Nominal balance

$3M

Raw dollars at the retirement start date.

Today's dollars

$2M

Inflation-adjusted view of the same future balance.

4% rule estimate

$130K

A quick annual draw estimate before tax planning.

Output path

The line updates immediately as you change the assumptions.

42 to 65

425365

Sustainable real income

$112K

Approximate annual spending in today's dollars if the portfolio must last through retirement.

Worked out in your browser from the figures you enter. The result illustrates those assumptions; it is not a projection or a recommendation.

5Schedule D

Recovery requirements

See the gain required to recover from a loss, and how long recovery may take at different return rates.

Interactive

Recovery requirements

See the gain required to recover from a loss, and how long recovery may take at different return rates.

Value after drawdown

$800,000

Capital left to compound from the lower base.

Required gain

25%

Gain needed just to get back to breakeven.

Years to recover

2.9 years

At the assumed annual return with no new deposits.

Recovery map

5% drawdown5.3%
10% drawdown11.1%
20% drawdown25%
30% drawdown42.9%
40% drawdown66.7%
50% drawdown100%

Worked out in your browser from the figures you enter. The result illustrates those assumptions; it is not a projection or a recommendation.

6Schedule E

Risk budgeting sketch

Weigh potential upside against downside so position-sizing decisions stay deliberate.

Interactive

Risk budgeting sketch

Weigh potential upside against downside so position-sizing decisions stay deliberate.

Risk / reward

2.25x

Reward dollars divided by risk dollars per share.

Position size

312

Maximum shares before you exceed the trade risk budget.

Capital required

$31,200

Approximate gross exposure at the chosen entry.

Trade framing

Per-share risk

$8

Per-share reward

$18

Risk budget

$2,500

This framework assumes a single trade with one stop and one target. If your stop is likely to slip in fast markets, size down before you size up.

Worked out in your browser from the figures you enter. The result illustrates those assumptions; it is not a projection or a recommendation.

7Schedule F

Purchasing power & price paths

Estimate what rising prices do to purchasing power and future spending needs.

Interactive

Purchasing power & price paths

Estimate what rising prices do to purchasing power and future spending needs.

Purchasing power

$55,368

Illustrative real value of idle nominal dollars after inflation— assumes zero nominal investment return.

Nominal future tag

$180,611

Rough sticker price for the same basket when inflation compounds at the rate you entered.

Nominal cumulative lift

80.6%

Percent increase from today’s dollars to the nominal future tag.

Output path

The line updates immediately as you change the assumptions.

Y0 to Y20

Y0Y10Y20

Horizon

20 years

The chart traces purchasing power if nominal dollars earn 0% while prices rise at your inflation assumption—pair with compound-growth and retirement tools when modeling returns.

Worked out in your browser from the figures you enter. The result illustrates those assumptions; it is not a projection or a recommendation.

8Talk to an advisor

Talk to a Fenul Wealth Management advisor

Answer a few short questions about where you are and what you want to achieve. An advisor at Fenul Wealth Management will contact you to talk it through.

Talk to an advisor

Talk to a Fenul Wealth Management advisor

Answer a few short questions about where you are and what you want to achieve. An advisor at Fenul Wealth Management will contact you to talk it through.

Step 1 of 4

Where you are and what you need

So we look for someone who works with people like you.

Submitting this form does not create an advisory relationship. An advisor at Fenul Wealth Management will contact you to discuss your situation and whether the firm is a fit. Fenul Wealth Management LLC is an investment adviser registered with the State of California (CRD #311474). Registration does not imply a certain level of skill or training.

Prefer a time on the calendar? Book a one-hour session ($99)

Fenul Wealth Management LLC is an investment adviser registered with the State of California (CRD #311474). Registration does not imply a certain level of skill or training.