Play with spending, income, and returns — see how your portfolio evolves at 5%, 7%, and 9%.
Nominal / real toggle
5% · 7% · 9% + Monte Carlo
Spending phases + income streams
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Timeline & Spending
Define ages/years and annual spending in each phase.
Use ages (e.g. 45, 57, 65, 75, 90) or calendar years — just be consistent.
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Portfolio Inputs
401(k) + taxable balances and ongoing contributions.
Lump sum is added into the taxable account at the chosen year.
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Social Security
Benefit reduces portfolio withdrawals once it starts (approx FRA adjustment).
SS is modeled as flat nominal income (no COLA) starting at the chosen year. Amount is treated as full retirement age (67); we roughly apply -6%/yr if taken early and +8%/yr if delayed (capped at 70).
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Consulting / Part-Time Income
Side income further offsets portfolio withdrawals.
Consulting is only applied after retirement; if it exceeds spending, no withdrawals that year.
Success probability: –
Inflation:% / year
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Portfolio Projection
Hover to see values. Lines assume constant nominal returns (or real if toggled).
5% return
7% return
9% return
Retire: –Milestone 1: –Milestone 2: –End: –
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Income vs Spending (7% path)
Stacked bars: income vs portfolio-funded spending.
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Compare Retirement Dates
Run three retirement dates at a single return assumption using the same inputs.