Workspace
Tools
Focused calculators built for the questions a sophisticated investor actually asks. Each tool runs standalone — you don’t need an uploaded portfolio, though some pull your current NAV or vol when available.
Options calculator
Black-Scholes pricing, full Greeks, P&L curve at expiry, implied-vol back-out. Auto-loads the underlying spot for any ticker.
Retirement-number tracker
Deterministic projection to retirement age. 4% rule target, surplus/shortfall, required savings rate, funding duration. Pulls your current NAV.
Monte Carlo simulator
10,000 stochastic paths over your horizon. Distribution of outcomes, probability of target, probability of depletion, worst-path drawdown.
Position sizing (Kelly)
Kelly criterion sizing for a single trade. Full / half / quarter Kelly, max-loss bound, and sensitivity to win-probability assumption.
Bond YTM & duration
Yield-to-maturity, Macaulay & modified duration, convexity, current yield. Price sensitivity to yield shocks. Cashflow schedule preview.
Tax bracket & LTCG
2026 federal brackets, marginal & effective rates, long-term cap gains tax stacked on ordinary income. Optional state flat rate.
Required Minimum Distribution
IRS Uniform Lifetime Table projections. First RMD year, 20-year forward path of forced withdrawals and tax bill on a traditional IRA / 401(k).
Social Security claiming age
Compare benefits at 62 / FRA / 70. Lifetime cumulative payouts and breakeven crossover ages — the single biggest retirement income decision.
Sale tax projection
Pre-trade tax modeling. Pick a holding, set shares + price; Atlas runs FIFO / LIFO / HIFO / Lowest-cost side by side against your real lots and shows the tax bill for each.
Pre-purchase impact
Counterpart to sale tax. Symbol + shares + price + account; Atlas shows the diff in concentration, IPS-band drift, and sector tilt against your live book before you click buy.
All tools are observational only. Atlas does not make recommendations. Pricing, projections, and simulations are mathematical outputs from your assumptions — not forecasts and not advice. See the full disclaimer.