Settings

Global assumptions and display preferences used across the simulators.

Account

Financial assumptions

Defaults applied when you open a new simulator.

Expected investment return

Inflation

State tax rate

Default annual raise

Default retirement age

Display

Show inflation-adjusted values by default

Compact chart numbers ($1.2M)

About the model

PerspectaMind uses simplified federal tax brackets, FICA, a flat state rate, and standard compound-growth math. All projections are educational estimates that depend entirely on the assumptions you enter.

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For educational and entertainment purposes only. PerspectaMind is not financial, investment, tax, legal, accounting, or career advice, and no advisory or fiduciary relationship is created by using it. All figures are hypothetical estimates based on simplified models and the assumptions you enter — they are not predictions, recommendations, or guarantees of any outcome. Do not make irreversible decisions (such as quitting a job, changing careers, relocating, or buying or selling investments or property) based on this tool. Always consult a qualified licensed professional before acting. You use PerspectaMind at your own risk.