How Fortune Orb works
Most calculators hand you a number and ask you to trust it. These show the whole calculation: the schedule, what you put in and what it earned, and the assumptions behind both.
Where your numbers live
In your browser
Every result is computed on your device, and nothing you type leaves it unless you sign in and save. It keeps working on a bad connection too.
In the link
Your inputs live in the page address. A shared link opens the exact same scenario.
In your account
Only what you sign in and choose to save: a scenario, or the profile behind your dashboard. That profile is read once a night to record your net worth.
Your data
- What we keep
- The name, email and picture Google gives us. Anything you save: scenarios, your profile and your portfolios.
- What we never ask for
- No account numbers, no address, no government ID. Linking a bank is invite-only and always optional.
- Removing it
- Delete a scenario from Saved, or your whole profile from its settings page. Either leaves our database at once, and the profile takes its net worth history with it.
How the math works
- Investment
Compounds once a year at the rate you enter. Money added during the year earns the matching share of that year.
- FIRE
Keeps every account separate at its own penalty-free age. Everything is reported in today's money.
- Home Purchase
Your savings and the home price both grow once a year. The answer is the first year your savings cover the down payment on the higher price.
- Mortgage
Standard monthly amortization. Tax, insurance and HOA sit beside the loan, never folded into it.
- Debt-to-Income
Investment and rental income count at 75%, the common lender convention.
- Equity
Compounds appreciation monthly and keeps the mortgage payoff out of the taxable gain.
These are projections built on assumptions you supply. Real returns vary, rates change, and lenders apply their own rules. Confirm anything consequential with a licensed professional.