Know the date
your money sets you free.
Loxoda models every holding, every pension and every tax rule against your real life — then holds that bearing through whatever the market does.
Everything you own. Everything you’ll be paid.
Every holding, every pension, every annuity — each with its own start age, and each flagged for whether it rises with inflation or quietly erodes.
You set the growth. We draw the path.
Cautious, balanced, or bullish — Loxoda turns that stance into the curve your plan actually runs.
The storms will come. We fly you through it.
Storms are certain. Loxoda puts them on instruments — so you can still coast into freedom with your eyes open.
Keep the date.
You withdraw one number. You keep another.
Loxoda doesn’t stop at the gross path. It draws through your wrappers so “enough” means enough after tax.
The saving stops. The compounding doesn’t.
Stop saving. Or stop working. Two different dates.
Coast comes first — the day the portfolio no longer needs your contributions, while work still funds life. Freedom comes later — the day you stop working and start drawing from the pot. Drag the slider: Coast fills as you approach it, Freedom moves with every year you keep paying in.
Free at 57. Coast at 47.
Stop contributing at 47 and retirement at 60still holds — work funds life, the pot compounds on its own. That’s Coast. Keep saving through 57 and work can end there: start drawing, 19 years from now. Past that floor, more saving buys cushion — not an earlier exit.
Your whole portfolio, blended honestly.
Loxoda doesn't flatten your life into one growth rate. It models every holding, every pension and rent stream, then blends a rate that stays honest.
One dial for the whole plan.
Eight storms. Your actual plan, re-flown through each.
Plan Confidence already stress-tests thousands of market futures. Storms are extra weather on top — stack any mix and watch how the same plan holds up under that shock.
Tap any storm — or stack several. Watch how Plan Confidence moves.
It broke. Here are the three levers.
The number you live on isn’t the number you withdraw.
Tax-aware drawdown grosses up every withdrawal so Burn lands after tax — through the wrappers and residency rules that actually apply to you.
You’ve seen the instruments. Now fly it.
- Pick an avatar and jump into a live demo plan
- Full answered cockpit — freedom, Coast, confidence, storms
- Six lives across US, UK, Canada, and Australia
- Burn, Fuel, and Risk Compass still move — explore freely
- Your own plan unlocks on Flight Deck
- Build your own plan — Mission through Launch on your holdings
- Your whole portfolio modelled forward — stocks, crypto, cash, and real-world assets
- Holdings in another currency, converted into yours
- Living costs, dated bills, pensions and Social Security
- The date you can stop working — and Coast, when you can stop saving
- Tax-aware withdrawals through ISA, SIPP, IRA, Roth — elsewhere before tax
- Plan Confidence — 2,000-path Monte Carlo
- Eight storms re-flown on the mix you actually own
- Year-by-year cash flow — what comes in and what goes out
- Each holding grown from its own price history
- Saved scenarios — retire earlier, spend more, try again
- A board-pack PDF for a partner or adviser
Illustration, not financial advice · You are responsible for the inputs you provide · Projections are estimates, not guarantees