Planning becomes easier when you can see the numbers clearly.
The tools on this page are designed to help you explore different scenarios, understand your goals, and make more informed decisions about how you may want to approach your WinVest plan.
Whether you are deciding how much to start with, working toward an income goal, deciding how much to reinvest, or developing a longer-term strategy, each planner below answers a different question.
Important: These tools are educational planning illustrations only. They are not financial advice and they do not guarantee earnings, withdrawals, program availability, or future results. Projections are based on the assumptions shown within each tool and actual results may differ.
Planning Before You Invest
You can project from 30 days up to 730 days and review both summary results and a detailed day-by-day breakdown.
If you are considering WinVest but have not started yet, begin here.
Starting Investment Planner
What could my starting amount look like over time?
Enter any amount you are considering and see how the numbers could develop using the current plan assumptions.
The planner automatically accounts for the 3% daily rate, $10 minimum reinvestment, individual 60-day investment cycles, and automatic 100% reinvestment whenever at least $10 is available.
Use this tool if you are asking:
“What could happen if I start with $100, $340, $500, or another amount?”
Starting Investment Planner
Enter any starting amount and choose how far you want to project — from 30 days up to 730 days.
Projection Results
Show Day-by-Day Projection
| Day | Daily Earnings | Cumulative Earnings | Reinvested Today | Total Reinvested | Available Balance | Active Investments | Expired Today | Total Expired |
|---|
Set Your Income Goal
Once you know where you are starting, the next question is often where you would eventually like to go.
Income Goal Planner
What level of active investment would be associated with the income goal I want?
Enter a desired daily, weekly, or monthly income goal and the planner will calculate the approximate daily earnings and active investment level associated with that goal using the current 3% daily rate.
You may also enter your current active investment to see your progress toward that target.
The planner includes:
- Daily income target
- Approximate active investment needed
- Current daily earnings
- Current progress toward your goal
- 25%, 50%, 75%, and 100% milestones
Monthly goals are calculated using a simple 30-day month.
Use this tool if you are asking:
“What active investment level would correspond to the income goal I want?“
Income Goal Planner
Set the income level you would like to reach and see the approximate daily earnings and active investment level associated with that goal.
Your Goal Roadmap
Manage Your Earnings
This section is designed for members who already have active investments and are deciding what to do with their earnings.
Reinvestment & Withdrawal Planner
How much could I reinvest and how much could I withdraw?
Compare different ways of dividing your current earnings between reinvestment and withdrawals. Choose from common strategies such as 100%, 75%, 50%, or 25% reinvestment—or enter your own percentage.
Use this tool if you are asking:
“Should I keep building, start taking income, or do a little of both?”
Reinvestment & Withdrawal Planner
See how different reinvestment percentages could divide your current earnings between future growth and income you may choose to withdraw.
Your Current Earnings Split
Compare Common Strategies
Build a Long-Term Strategy
Planning does not have to be all-or-nothing.
Some members may choose to focus first on growth, later recover part or all of their original out-of-pocket contribution, and eventually balance reinvestment with withdrawals.
Build → Recover → Balance
A simple way to think about long-term planning is in three stages:
Build
Focus primarily on reinvestment and increasing your active investment level.
Recover
Begin withdrawing enough over time to recover some or all of your original out-of-pocket contribution.
Balance
After reaching your personal objective, choose how much you want to continue reinvesting and how much you want to withdraw.
There is no single strategy that is right for everyone. Your starting amount, goals, timeline, comfort level, and personal financial situation are different from anyone else’s.
Long-Term Strategy Planner
How could I put the different pieces together over time?
This planner will help you model a broader strategy using a starting investment, your goals, reinvestment preferences, withdrawal objectives, and future milestones.
Use this tool if you are asking:
“How do I create an overall plan instead of making one decision at a time?”
Long-Term Strategy Planner
Build a longer-range plan using three stages: grow first, recover a chosen amount, then balance reinvestment with withdrawals.
1. Build
100% of modeled earnings are directed toward reinvestment. The $10 minimum reinvestment rule still applies.
2. Recover
Your selected percentage continues toward reinvestment while the remainder is counted toward your recovery target.
3. Balance
After the recovery target is reached, the planner automatically switches to your ongoing Balance-phase reinvestment percentage.
Strategy Checkpoints
Show Day-by-Day Strategy
| Day | Phase | Daily Earnings | Reinvested Today | Withdrawn Today | Cumulative Withdrawals | Recovery Withdrawals | Active Investments | Available for Reinvestment | Expired Today | Cumulative Earnings |
|---|
Which Planning Tool Should I Use?
Starting Investment Planner
Considering getting started and want to explore a starting amount.
Income Goal Planner
Know the income level you eventually want to reach.
Reinvestment & Withdrawal Planner
Already earning and deciding how much to reinvest versus withdraw.
Long-Term Strategy Planner
Want to combine growth, recovery, withdrawals, and longer-term objectives.
You do not have to use every tool. Choose the one that answers the question you are trying to solve today.
A Note About Projections
Planning tools can be useful because they allow you to test different scenarios before making a decision.
However, projections become less certain the farther into the future they extend. Long-range calculations assume that the same program terms, earning rates, reinvestment rules, and other conditions remain unchanged throughout the projection period.
For that reason, these tools should be used as planning illustrations rather than predictions.
Review your plan periodically and adjust it as your goals, account activity, or program conditions change.