If You Can
Bernstein's plan is famously short — fifteen pages, fifteen minutes of work per year, a strategy a seven-year-old could understand. This page helps you execute it: capture your inputs, track your three-fund portfolio, mark off the reading list, keep a private journal. None of it leaves your browser.
The recipe
Your plan
The numbers Bernstein puts to it: 15% of salary, age 25 to age 65. Adjust below to your situation. Stays in your browser.
Before the three-fund recipe applies
Bernstein's "What about the nuts and bolts?" section gives a strict order. The three-fund allocation is the last step, not the first. Work down this list.
Your three funds
Enter the current value of each fund. The page shows your actual allocation, drift from the 33/33/33 target, and the rebalance amount that would bring you back. Annual rebalance only — Bernstein is explicit: fifteen minutes per year.
| Fund | Current value | Actual % | Target % | Drift | Rebalance to |
|---|---|---|---|---|---|
| Total | — | ||||
The five hurdles
Bernstein names five barriers to retirement-saving success. Each is paired with a reading assignment that builds the inoculation. Read them in order; check off as you finish.
Your journal
Private notes for your future self. What you were thinking when markets moved. Why you did or didn't sell. What surprised you in the readings. Stays in your browser; export to file when you want a copy.
Your data
Everything on this page lives in your browser's localStorage for this site. Export to a JSON file to back it up; import to restore on this or another machine. No accounts, no cloud, no sync.