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Why Last Chair

It started as a spreadsheet.

For more than fifteen years I kept a spreadsheet to answer one question: when could I stop working? It tracked my holdings, what each fund cost in fees, and the year the numbers said I could stop. I was always tweaking it.

The habit came from the Bogleheads forum and a few of the Bogleheads books: low-cost index funds, a simple mix, and staying the course.

Over the years it turned into spreadsheet chaos. I wanted it to run itself, and I thought it could help other people too. So I built Last Chair to replace it.

Easier to keep
Tickers and coins price themselves, fund fees are looked up for you, and a couple of balances a month keeps the rest current.
Private
Your plan is encrypted on your device before it is saved. The server keeps ciphertext it cannot read, and there are no bank logins.
Tested
The year you could stop is replayed through every year of US markets since 1928, the bad years included.

Nate

For people who run their own money.

Who it's for

  • You already choose your own funds

    Index funds, a three-fund portfolio, a mix you hold to: the Bogleheads way. Last Chair adds it all up and writes the trades that keep the mix on target, account by account. You place them yourself, at your own brokerage.

  • You keep a spreadsheet

    And you would like it easier to keep up and harder to get wrong. Tickers and coins price themselves, fees are looked up by fund, and a couple of balances a month keeps the rest current.

  • You are planning for financial independence

    You want the year you could stop working, tested against history. The year is replayed through every year of US markets since 1928, so you can see how often it would have held.

Who it isn't for

  • You want someone to choose for you

    If you would rather a person picked your funds, a good advisor is the better fit. Last Chair shows the numbers and proposes trades. It does not choose your mix or manage your money.

  • You need tax, estate or insurance advice

    Last Chair is planning tools, not advice. For those, see a professional. A will, a trust, a tax return or an insurance policy deserves someone who knows your whole situation.

What it costs, beside an advisor.

A good advisor can earn their fee, especially for taxes, estates and insurance. If you already choose your own funds, you may only need the tools.

An advisor who charges on assets
about 1% of what you invest, each year The median is 1% up to $1M and about 0.85% above it. 0.85% of $2M is $17,000 a year.
A flat-fee planner
about $4,500–$7,000 a year, on retainer A median flat fee to an average retainer. A one-time plan runs $2,500 to $5,000.
Last Chair
$99 a year, for the household Planning tools you run yourself. No advice, no fee on what you invest.

Medians and averages as published; any one advisor's fee may differ. Sources:

See what your funds cost first, no account needed. Or start your plan and see your year.

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Last Chair provides planning tools, not investment advice.