Wealth Engine (WE) by Palm Team Capital

What could your assets do for your family?

Start with what you own, and what it earns.

Best guesses are fine; these are easy to refine later.

Real estate, total value ($)
Loans on that real estate ($)
Monthly payment on those loans ($)
Cash and savings ($)
Investment accounts ($)

And one number about tomorrow.

The return you would want working capital to earn, and how long you would let it run.

Target return
Time horizon

Here is what your capital could do.

A planning illustration at your chosen assumptions, not investment advice. The full tool behind this lets you refine every number.

YouTargetThe picture
Wealth Engine (WE) by Palm Team Capital

What could your assets do for your family?

Enter any portfolio of properties and liquid accounts. The gray line shows what happens if nothing changes. The blue line shows the same portfolio with idle equity put to work and underperforming accounts redeployed. Every field is editable and everything recalculates instantly.

Net worth today
Keep as is
properties appreciate, accounts compound, nothing else changes
With the opportunity plan
The opportunity gap
extra wealth from the same assets, same time frame

Where the wealth lives

The two futures and the levers behind the planthe year-by-year lines, target return, LTV, rate, reserve, and what is in the plan

Two futures for the same portfolio

Opportunity plan Keep as is

Plan assumptions

The levers of the opportunity plan. Idle equity is unlocked by refinancing or selling, a payment reserve is set aside first, and freed capital compounds at the target return.

Mortgage payments are funded by the reserve first, then withdrawn from the invested capital each year. Sales close at the end of year one.

In the plan

On means the asset takes part in the opportunity plan: properties carry out their Refinance or Sell action, and accounts are reinvested at the target return. Off means it stays in the portfolio and keeps growing at its current performance. To remove an asset from the whole comparison, use Hide from portfolio on its card below.

Properties
Liquid assets
How sure can we bethe advantage across target returns and horizons, with each lever on or off

Sensitivity analysis

Extra wealth versus keeping everything as is, across target returns and time horizons. The toggles switch the plan's levers on and off for this analysis only; the plan above stays as configured. Green cells favor the plan.

Fine-tune every numberthe properties and liquid accounts behind the picture, card by card

Properties

For each property choose its role in the opportunity plan: keep it untouched, refinance to unlock equity while keeping it, or sell and redeploy the proceeds.

Liquid assets

Retirement accounts, brokerage accounts, savings. If you do not know an account's annualized return, switch it to "From history" and enter the starting balance and year; the return is calculated for you. If you also added money along the way, say how (same amount yearly, exact amounts, or a % of salary with employer match) and the true return is solved net of those contributions. Check "Reinvest at the target" to move an account into the plan; unchecked accounts keep earning their own return in both futures.

To edit the properties and accounts themselves (values, loans, returns), use the Family Portfolio tab; this tab only chooses whether and how they appear here.

Sell now
Sell after the season
Waiting is worth
difference at the horizon, later exit minus selling now
Capacity bought back by selling now

Three futures for the owner

Sell now and invest at the target Sell after the season Keep operating

Assumptions

Take-home volatility from your last 5 years: best year minus worst year, divided by 2.5, then divided by the average year (with 10 years of history, divide by 3 instead). No usable history? Mostly one-off or seasonal revenue: 20 to 40%. Mostly recurring revenue: 10 to 15%. Sale value uncertainty: at 20%, about 1 simulated sale in 6 lands more than 20% below your estimate, which can mean below the offer in hand.

The cash reserve is that many months of living expenses kept in cash: it absorbs a down season while you run the business and down markets after the sale, refilling in good years so investments are never sold at the bottom.

The business and the offer

What a buyer would pay today, what you believe it is worth after the next season of optimizing, and what the business pays you while you keep it.

Offer on the table today ($)
Expected value after optimizing ($)
Owner take-home per season, positive or negative ($)
Extra investment to build value, per season ($, defaults to 2% of offer + 10% of take-home)
Value drift if you just keep operating (% / yr)
Hours you work per season
What an hour of your life is worth ($, optional)
Primary home portion of the offer ($)

Only a primary home is carved out of the investable proceeds, because you must buy or rent a replacement to live in. A second home, the shop or yard, or any commercial property bundled in the offer converts to investable cash when sold, so leave this box off and keep that value in the offer.

Life after the sale

The portfolio has to carry whatever your living costs exceed your income after exit. The decisive number is the gap between owner take-home and what you could earn anyway: selling only costs you that gap, while the proceeds start compounding.

Living expenses per year ($)
Income after exit per year: a new venture or job, your earning power travels with you ($)

How the sale value changes the answer

Later exit minus selling now, at the horizon, across achieved sale values and target returns; no rough start.

How the timing changes the answer

Method: annual steps. Selling turns the offer, less the primary-home portion when the offer includes one, sale costs, and an effective tax rate, into an invested portfolio at the target return; a cash reserve of the chosen months of living expenses is held at all times: while you still run the business it absorbs shortfall seasons (business risk), and after the sale it is drawn before the portfolio in down-market years; surplus seasons and good market years refill it before anything else is invested. Living expenses net of after-exit income draw on the portfolio once the paychecks stop. Waiting adds season income less the extra build-value investment, and moves the sale to the optimized value, but compounding starts later and the rough-start years, if enabled, hit whenever the exit happens. Keep operating counts untaxed paper value and assumes you keep working every season for the whole horizon, which is exactly the capacity cost the hours tile puts a number on. If you price an hour of your life, that cost is charged, without compounding, for every year you still run the business, lowering the waiting and keep-operating futures and raising the break-even bar. In Monte Carlo mode the achieved sale price for the later exit varies around your optimized estimate, so disappointing sales, including below today's offer, are part of the range; today's offer itself is treated as locked. Taxes on investment gains, deal structure, and earn-outs are not modeled. This is an educational planning tool, not financial advice.

At retirement
Illustrative annual income
If nothing changes
At the end of the plan

The big picture, working years to retirement

Your numbers

Working years build the wealth; retirement draws a yearly income from it. All figures are in nominal dollars.

Wealth comes from
Beginning balance ($)
Current age
Retirement age
Plan to age
Annual contribution until retirement ($)
Return before retirement (%/yr)
Return in retirement (%/yr)
Withdrawal rate (%)

Year by year

A planning illustration in nominal dollars at your chosen assumptions, not investment advice and not adjusted for inflation. The withdrawal rate sets an illustrative income at retirement, drawn every year while the remaining balance keeps compounding at the retirement return.

Save and resume

Your inputs never leave this page. To continue later, export them as an encrypted file protected by a password of your choice, then import that file here next time and enter the same password.

Password

Provided by Palm Team Capital for education and planning purposes only; nothing here is financial, tax, or legal advice, and nothing here is an offer or solicitation of any security or fund. All target returns are planning assumptions you choose yourself, not a representation of the performance of any PTC investment. Use of this tool is subject to the Palm Team Capital Terms and Conditions.

Wealth Engine V3, release 2026.33.1

Wealth Engine (WE) by Palm Team Capital