Retire.Portfolio Desk
For people who pay themselves from their portfolio

Your retirement paycheck.
One step at a time.

The desk keeps a cash reserve full, tells you which shares to sell, and keeps the tax bill down. Two numbers a month. Nothing to install.

Open the deskSee how it works

Free for Retire. members. Works in any browser.

The desk's Home screen: months of cash in the reserve, the next step, the paycheck and the next refill
The idea

A year of cash, refilled on a schedule.

Keep about a year of your paycheck in cash. Pay yourself from it every month. When it runs low, sell the right shares to top it up. That is the whole job.

Set up · once

Tell it what you have

Drop in your income plan or type six numbers. Add each account from a statement. Say where the paycheck is paid from and how many months of cash to keep.

Every month

Two numbers

The total of your accounts and the cash in your paycheck account. The desk tells you whether the paycheck holds and whether the reserve needs a refill.

When the reserve is low

A refill list for your brokerage

Which account, which fund, which shares, how many. Losses first, then gains inside your room for the year.

Refill

Sell the right shares, not just the right fund.

Two people can sell $50,000 of the same fund and owe very different tax, depending on which shares they pick. The desk picks the shares: losses first, then the gains that fit your room for the year. It flags anything that crosses a tax line or a Medicare step.

  • Long-term versus short-term, by the calendar
  • Room under the 0% capital gains line and the next Medicare income tier
  • Wash-sale check across every account, including IRAs
  • IRA withholding sized in, so the reserve lands at target
The Refill screen: the sales to place, lot by lot, with the tax estimate
Target portfolio

Set a target. Get there without a big tax bill.

Set the mix you want and the funds you want to own. Mark what stays and what goes. IRA holdings move right away, since there is no tax. Taxable sales are paced by your gain room each year. Pick a finish year and it shows the extra tax.

  • Your own allocation, your own fund list
  • Keep or move out, holding by holding
  • Every refill sells from the move-out list first
The Target portfolio screen: the transition plan, how fast to move, and this year's moves
On your phone

Works on a phone.

Big numbers, plain words, one next step. Light or dark. Privacy view hides names and dollar amounts.

Home on a phone, dark mode
Refill on a phone
What it is, and is not

An execution desk, not a planning tool.

It doesKeeps the reserve full, says what to sell and where, estimates the tax, tracks this year's gains, watches the plan's income limits.
It does notForecast returns, pick funds, place trades, or replace your income plan. It carries out the plan you already have.
Your dataEncrypted on your device with a passcode only you know. A sealed copy syncs between your phone and computer. Nobody else can read it.
Who it is forRetire. members. Fidelity, Schwab and Vanguard statements are read directly. Any brokerage works with a lot report or a typed list.

Try it with an example household first.

Three example families are built in. Open one and walk through a refill before adding your own numbers.

Open the deskScreen-by-screen tour