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Start with intent, not tools

Pick the outcome you care about most. Each track routes you to a recommended workflow: the right assumptions, calculators, and example strategies for your goal.

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Track

Income

Optimize for cash flow. Model distributions, reinvestment, and draw rules—then stress-test the tradeoffs.

Best for
  • Replacing expenses with portfolio distributions
  • Evaluating yield + reinvest vs. yield + spend
  • Comparing income assets under identical assumptions
Recommended workflow
  1. Set contribution schedule and target yield assumptions.
  2. Model reinvestment rate and cash extraction rules.
  3. Compare outcomes and export charts/CSV.
Enter Income track Use Projection Calculator
Track

Growth

Optimize for accumulation. Focus on contribution cadence, time, and compounding—then validate sensitivity.

Best for
  • Long-horizon accumulation and compounding
  • Testing daily vs. weekly vs. monthly contribution cadence
  • Comparing assets using consistent contribution logic
Recommended workflow
  1. Set contribution schedule and horizon.
  2. Run backtests to compare cadence and volatility exposure.
  3. Project forward under conservative assumptions and export.
Enter Growth track Use Backtesting Calculator
Track

Income + Growth

Balance cash flow and compounding. Combine distributions with reinvestment and validate capital durability.

Best for
  • Generating income while preserving or growing capital
  • Split reinvestment rules (e.g., reinvest 50%, extract 50%)
  • Building a repeatable, rules-based allocation approach
Recommended workflow
  1. Define income target, reinvestment rate, and growth sleeve.
  2. Model distributions and compounding side-by-side.
  3. Export results and iterate on the rule set.
Enter Income + Growth track View tool options

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Start with the track that matches your primary objective. You can always switch tracks later without changing your tools or data.

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MicroDCA is designed to keep assumptions explicit and outcomes comparable—so you can iterate with confidence.

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