“Number go up” is not a retirement strategy. Long-term planning needs explicit assumptions, clear knobs to turn, and a way to translate a BTC balance into annual spending power.
These are editable in the tool; you can tune them to your house view.
Interpretation, not a promise: the anchor table sketches plausible midpoints for each regime. The macro toggles then nudge outcomes up or down.
We use a simple, auditable approach:
Anchors at key waypoints set directional midpoints for each scenario, then we interpolate between them:
Log interpolation between anchors, we calculate the Compound Annual Growth Rate between two anchor years, then grow forward to your retirement year.
Macro multipliers, the checkboxes you toggle, apply multiplicative effects to each scenario. For example, strong ETF flows lift Base and Bull more than Bear, while tight liquidity trims all three, especially Bear.
