About

Every pension fund on earth runs on the same question: are the assets enough to cover the liabilities? Not "what might the portfolio return" — what does the promised spending cost, priced off the real yield curve, and does the balance sheet cover it. That discipline has seventy years of theory behind it (Merton, Campbell & Viceira) and almost no retail expression at all.

Am I Funded? is that expression. The essays teach the frame; the calculator prices your consumption liability off the live curve and tells you your funded ratio — one number, and the three hedging gaps behind it.

What this is not

• Not advice. The instrument measures; the education generalises; nothing here prescribes a product or considers your personal circumstances.
• Not a simulation. No Monte Carlo cones, no success probabilities. A measurement against today's prices, stated plainly.
• Not certainty. A funded ratio moves when the curve moves. What it offers is clarity about where you stand — not a guarantee about where you'll end up.
• Not interested in your data. Calculations run statelessly; inputs stay in your browser. We never see your financial information.

Who writes this

A practitioner: twenty years managing sovereign balance sheets and liability-driven portfolios, applying the same framework to a personal balance sheet — and now packaging it so it's usable by anyone.