Methodology
The math, in the open.
Every assumption is exposed before it touches a number. Click any card to see the equations, the source series, and the audit log.
Equity simulation
Real ticker history · adjusted close · dollar-cost averaged.
We take the real, historical month-by-month price of the stock you pick and replay it — adding the money you said you'd invest along the way — so the result reflects what actually would have happened, not a guess.
Real estate model
ZHVI prices · ZORI rent · standard amortization · 8.3% vacancy.
The most assumption-heavy model in PastFi — so every lever is visible.
Fees
Declared, not buried.
Costs are surfaced in the result panel, never hidden in a disclaimer.
Known limitations
What we don't do — yet.
The honest edges of the model.
Performance metrics
CAGR and max drawdown — the same two numbers on every asset.
Every asset curve is summarized by two headline numbers, computed the same way regardless of asset type.
Fed funds rate
FRED FEDFUNDS · monthly · reference line only.
The faint line behind your asset curves is the Federal Funds Effective Rate — the benchmark U.S.