Discipline Funds Tool Suite BETA

Free tools for building a plan around your actual liabilities and time horizons.

These tools are for educational and informational purposes only and are not individualized investment advice.

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Every good plan starts with the liabilities.

Flagship planner

Hourglass Financial Planner

Our asset-liability analyzer, risk profiler and portfolio builder. Map out what you need and when, then build a portfolio around it.

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Fastest way in

Quick ALM Builder

Short on time? Plug in your spending needs by time horizon and get a Defined Duration portfolio in a few minutes.

Build a Portfolio

Investing Tools

Portfolio Construction
Defined Duration Calculator
Measure how many years a bond, fund or stock market needs to recover from a bad stretch.
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Defined Duration Frontier
See how time horizon and sequence risk trade off against each other.
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Expected Return Simulator
Estimate future returns using inflation and valuations.
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Asset Allocation Return Simulator
Model an asset allocation and see its expected return.
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Bonds and Cash
Interest Rate Simulator
See what different rate paths do to your bonds, nominal or TIPS.
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Bond Market Escape Velocity Calculator
Find the theoretical sweet spot on the yield curve.
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Bond Ladder Optimizer
Build a simple bond ladder that actually matches your timeline.
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Tax Equivalent Yield Calculator
Compare munis, T-Bills, CDs and corporates on what you actually keep after taxes.
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Quick Calculators
CAGR Calculator
Work out your compound annual rate of return.
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Fee Impact Calculator
See what fees really cost you over the long run.
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Retirement Planning Tools

Retirement Planning Simulator
Simulate portfolio growth and different withdrawal strategies.
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Sequence of Return Risk Simulator
See how the order of returns can make or break a retirement.
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Social Security Optimizer
Figure out the best age to start taking Social Security.
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RMD Assessment Tool
Calculate your required minimum distributions and the withdrawal risks that come with them.
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Roth Conversion Optimizer
Find out whether converting a traditional IRA to a Roth makes sense for you.
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Financial Planning Tools

Personal Budgeting Simulator
Map your income and expenses and set real financial goals.
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Buy or Rent Tool
Compare the real costs of buying versus renting.
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Mortgage Calculator
Calculate your payment and the total cost of a mortgage.
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Estate Planning Tools

Estate Planner
Work through the core pieces of your estate plan.
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Life Insurance Optimizer
Figure out how much life insurance you actually need.
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Charitable Giving Optimizer
Compare giving cash, stock or a donor-advised fund.
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Learn and Research

How Defined Duration Works Defined Duration for Households Defined Duration for Advisors Discipline Alerts Research Macro Dashboard

These tools show you the pieces. We build the whole plan.

Get a personalized Defined Duration plan built around your liabilities, your timeline and your tax situation.

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