Pay Timer vs Portfolio Lab

Measure the time you work and calculate your earnings. The timer keeps running even when you close the application. So there is no need to keep it open all the time. You can save a history of calculations locally on your device and email them to yourself for backup and further processing.

Portfolio Scenario Lab helps you estimate a range of possible portfolio outcomes using Monte Carlo simulation. Instead of showing one fixed projection, the app runs up to 100,000 market scenarios using your assumptions for starting balance, expected annual CAGR, volatility, contributions, withdrawals, inflation, taxes, crash cycles, and time horizon so you understand your true risk/rewards on your investments. Use it to explore questions like: • How much could my portfolio grow over time? • What is my chance of reaching a portfolio goal? • How likely is my retirement portfolio to last? • How much could I withdraw in retirement? • How much would I need to contribute to reach my goal? • How do contributions, withdrawals, inflation, taxes, and volatility affect my outcome? • How much risk am I taking? Key features: • Build Wealth mode for long-term investing • Retirement Withdrawals mode for portfolio survival planning • Monte Carlo simulation with percentile outcomes • Median, mean, best-case, and worst-case results • Goal probability, survival probability, and shortfall risk • Required Monthly Contribution estimate • Sustainable Withdrawal Estimate • Inflation-adjusted “today’s dollars” view • Nominal future-dollar results • Simplified tax estimates and tax impact projection • Maximum drawdown analysis • Drawdown duration and recovery insights • Loss probability and return probability charts • Scenario path charts • Ending value distribution • Extreme crash and recovery cycle stress testing • Save and compare simulations • Optional private iCloud backup and restore • PDF, Excel, CSV, share text, and share card exports with premium unlock • Simple educational explanations for assumptions and limitations Portfolio Scenario Lab is designed to be simple, visual, and easy to understand. It is built for investors who want a clearer picture of possible future outcomes without needing complicated spreadsheet models. Disclaimer: This app is for educational purposes only and does not provide financial, investment, retirement, tax, or legal advice. Simulations are based on user-selected assumptions and may not reflect actual market performance. Tax estimates are simplified and may not reflect your personal tax situation.