LOXODA
0%
PHASE 01ALT 412 KMBEARING 148°ACQUIRING
Financial independence, flown on instruments

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.

Earliest viable age
57
Years from now
19
Plan confidence
65%
Skip to the instruments
Chapter 01 · The bank

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.

Your bank · as Loxoda sees it
Stocks & fundsLive holdings · your tickers
BondsMeasured like equities
CashBuffer & contributions
PensionsState · workplace · DB
AnnuitiesStart age · inflation flag
Rental propertyIncome that pays you
Chapter 02 · The throttle

You set the growth. We draw the path.

Cautious, balanced, or bullish — Loxoda turns that stance into the curve your plan actually runs.

Same portfolio
Only the dial moved.
Chapter 03 · The weather

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.

See the storm.
Keep the date.
Chapter 04 · What you keep

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.

After tax
Withdrawn → what you keep.
Chapter 05 · First light

The saving stops. The compounding doesn’t.

The coast

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.

Age you stop adding money
Drag me
38475759
YEARS TO FREEDOMCOAST · AGE 47
19
FREE · AGE 57

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.

The portfolio

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.

Your holdings
Measuring each holding from live market history…
The throttle

One dial for the whole plan.

Turbulence
16%
Expected growth
9.2%
Plan confidence
65%
Worst tenth
$1.35M
Median at 60
$2.86M
Best tenth
$6.23M
Drag · or use ← →
The weather

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.

Plan confidence
65%
Calm plan · baseline 65%
Median pot unchanged

Tap any storm — or stack several. Watch how Plan Confidence moves.

When it breaks

It broke. Here are the three levers.

At retirement $0.55MTarget $1.10MGap $0.55M shortRuns out 76
Off track
Plan confidence
14%
Funded to target
50%
Lever 01 · Save more
+$0/mo
Lever 02 · Work longer
Age 50
Lever 03 · Spend less
$7,500/mo
What you keep

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.

Gross $67kNet $54k/yrPack US · federal & state
Age 67 · Drawdown year
Income map
Social Security
$11,500 /yr
Rental income
$8,400 /yr
Portfolio draw
$47,100 /yr grossed
Lifted so $54k still lands after tax
Living costs
$54,000 /yr after tax
The life you asked for — funded
Tax
$8,500 /yr
Covered by the grossed draw
Surplus
$4,500 /yr
Left after living and tax
01 · Taxable
Brokerage first
Spend while the brackets are kind.
02 · Deferred
401(k)
Grossed up so lifestyle still lands.
03 · Tax-free
Roth IRA last
Protected until the plan needs it.
Boarding

You’ve seen the instruments. Now fly it.

Jump Seat
Free
Name + email · no card
  • 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
Take the jump seat
Flight Deck
$149/yr
Annual · cancel any time
  • 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
Prices shown in $ USD, detected from where you are · six currencies supported
Illustration, not financial advice · You are responsible for the inputs you provide · Projections are estimates, not guarantees