Retirement Planner
Complete retirement modeling. Project your nest egg through the accumulation phase and simulate tax, inflation, and drawdowns in decumulation.
Implement dynamic spending guardrails (e.g. cut withdrawals by 10% during bear market years).
Early market down years combined with high withdrawals can permanently damage compounding capital.
Enable inflation adjustment toggle to ensure purchasing power matches CPI growth.
Fixed withdrawals erode purchasing power to inflation over time.
| Withdrawal | 4.5% | 5.5% | 6.5% | 7.5% | 8.5% |
|---|---|---|---|---|---|
| $48,000.00 | Survives | Survives | Survives | Survives | Survives |
| $54,000.00 | Survives | Survives | Survives | Survives | Survives |
| $60,000.00 | Survives | Survives | Survives | Survives | Survives |
| $66,000.00 | Survives | Survives | Survives | Survives | Survives |
| $72,000.00 | 88 Yrs Old | Survives | Survives | Survives | Survives |
* Displays years until depletion. 'Survives' indicates the portfolio outlives the full projection term.
| Scenario | Profile | Probability of Success (Monte Carlo) |
|---|---|---|
Base Scenario | Default inputs and growth assumptions | $$4,978,555 |
Conservative | Lower yield, higher inflation, haircuts | Depletes at age 89 |
Optimistic | Favorable yield, lower inflation, growth | $$15,402,796 |
Stress Test | Severe economic crash and high inflation | Depletes at age 73 |
Educational estimate. Future investment returns are uncertain. Not financial advice.
How to Use the Retirement Planner
Ensure your money outlives you with our Retirement Decumulation Planner. This advanced planning tool goes beyond simple safe withdrawal rates to simulate inflation indexing, effective tax rates, and the timing of Social Security or pension benefits. Use the scenario engine to stress-test your portfolio against market downturns, and discover actionable strategies to sustain your target lifestyle.
- Scenario Mode: Bounded parameter in the mathematical model.
- Current Age: Bounded parameter in the mathematical model.
- Target Retirement Age: Bounded parameter in the mathematical model.
- Life Expectancy: Bounded parameter in the mathematical model.
- Starting Portfolio ($): Bounded parameter in the mathematical model.
- Monthly Contributions ($): Bounded parameter in the mathematical model.
- Current Annual Salary ($): Bounded parameter in the mathematical model.
- Employer Match Rate (%): Bounded parameter in the mathematical model.
- Salary Growth Rate (%): Bounded parameter in the mathematical model.
- Asset Allocation Profile: Bounded parameter in the mathematical model.
- Desired Retirement Spending ($/yr): Bounded parameter in the mathematical model.
- Withdrawal Strategy: Bounded parameter in the mathematical model.
- Flexible Spending Portion (%): Bounded parameter in the mathematical model.
- Effective Tax Rate (%): Bounded parameter in the mathematical model.
- Expected Inflation Rate (%): Bounded parameter in the mathematical model.
- Annual Social Security ($/yr): Bounded parameter in the mathematical model.
- Social Security Start Age: Bounded parameter in the mathematical model.
- Other Pension / Annuity ($/yr): Bounded parameter in the mathematical model.
Retirement Decumulation Planner: Discrete Recurrence & Longevity Math
Master discrete recurrence drawdown modeling, inflation-adjusted spending trajectories, and longevity risk protection in retirement.
Read Full Guide →What is decumulation in retirement planning?
Decumulation is the phase of life where you transition from saving and accumulating wealth to spending down your accumulated assets. It involves strategic withdrawals to minimize taxes and ensure your portfolio lasts.
How does the 4% Safe Withdrawal Rate (SWR) work?
The 4% rule is a guideline stating that you can withdraw 4% of your initial portfolio value in the first year of retirement, and adjust that amount for inflation each subsequent year, with a high probability that the nest egg will last 30 years.
What is sequence of returns risk?
Sequence of returns risk is the hazard that market downturns occur in the early years of your retirement drawdown. Experiencing negative returns when your portfolio is at its largest forces you to liquidate more shares to meet withdrawals, which can accelerate portfolio depletion.
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