Retirement Planning

The Retirement page gives you two gentle tools: one to imagine where steady saving could take you, and one to reveal the quiet cost of investment fees.

How-To Guides

How to project your savings into the future

The Time-Travel Projection Sandbox lets you daydream responsibly — see where consistent saving could lead.

1. Open the Retirement page.
2. Drag the Timeline Target slider to the number of years you want to look ahead.
3. Drag the Monthly Envelope Savings slider to set how much you'd put away each month.
4. Read the three outcome tiles — Conservative (4%), Standard (6%), and Growth (8%) — for the range of where you might land.
5. Hover over the line chart to see your projected balance at any year.
6. Scroll to Sanctuary Advisor Recommendations for tailored ideas.

✨ Good to know: The Sandbox is a what-if playground — moving the sliders never touches your real accounts or budget.

How to see what a fund's fees really cost you

The Portfolio Fee Analyzer brings the slow drip of expense ratios out into the open.

1. Open the Retirement page and find the Portfolio Fee Analyzer.
2. Pick one of your investment accounts from the Analyze Account dropdown, or choose Custom to enter your own.
3. Check the Fund Name / Ticker, Balance, and Expense Ratio (%) fields, adjusting them to match your holding.
4. Compare the two result tiles — Estimated Value in 30 Years and If Invested in Low-Cost ETF.
5. When the gap is meaningful, an Expense Drag note spells out how much you'd lose to fees.
6. Read the Sanctuary Optimization Advice panel for the plain takeaway.

Frequently Asked Questions

"Which growth scenario should I believe?"

None of them is a promise — they're three illustrations. Conservative (4%), Standard (6%), and Growth (8%) simply show how different rates of return could play out. Real markets wander, so treat these as a helpful range to think with, not financial advice.

"Why does my savings amount say 'Tied to active budget'?"

Misto starts the Monthly Envelope Savings slider at what your current budget suggests you can save (or $500 a month if it can't tell yet). The moment you drag it, the label switches to "Simulating Sandbox…" and the projections follow your number.

"Can I change the 7% return or the 30-year window in the Fee Analyzer?"

Those are fixed on purpose, so every fund is measured on the same footing — a 7% return, a 0.03% low-cost ETF fee, and a 30-year horizon. You're free to change the Fund Name / Ticker, Balance, and Expense Ratio (%) to match your own holding.

"What does the 'Migrate Portfolio to Webull' button do?"

Think of the Fee Analyzer as an eye-opener rather than a mover — its real value is showing you the fee drag on your investments. The Migrate Portfolio to Webull button is a placeholder and doesn't lead anywhere just yet, so nothing happens if you click it. Any actual account changes always happen with your brokerage, never inside Mistos.