Retirement Planner

Enter your access key to continue.

Retirement Planner

Enter your details below to generate a personalized retirement plan.

Saved profiles

Personal Information

Spending & Growth Assumptions

$
%
%
%

Spending Pattern (optional)

Band Ages Spending Inflation
Go-Go Years Ret. to % %
Slow-Go Years 70 to % %
No-Go Years 80+ % %

Spending % is relative to base annual spending need, inflated to that year's dollars.

$
%
$

Current Account Balances

$
$
$
Taxable Brokerage
$
$
$
Emergency Fund (market-downturn reserve — never withdrawn; counted in total portfolio)
$
%
Dividend Income Account (qualified dividends — sequenced first in retirement)
$
%
%

Pre-Retirement Contributions (annual, used for ideal retirement age calculation)

$
$
$
$

Income Sources

$
$
$

Tax Planning

%

Override if your effective rate differs from the state default.

$

$

What-If Scenarios (optional — layer shocks onto your base plan)

No scenarios added — base plan will run as-is.

Retirement Plan Results

These projections are estimates for planning purposes only. Consult a CPA or CFP before making tax or withdrawal decisions.

Year-by-Year Projection — click any row for a detailed snapshot
Show columns:
Charts
Total Portfolio Balance by Account
Roth Conversions
Annual Withdrawals by Source
Total Tax Paid — Federal vs State
Monte Carlo Simulation — stress-test your plan under randomised market returns (optional)
%
Running simulations…
Portfolio Outcomes — Percentile Fan Chart

Returns are drawn from a normal distribution centred on your configured return rates with the specified annual volatility. Spending, income, and withdrawal order match the deterministic plan above. Each simulation is an independent run — no sequence-of-returns correlation is modelled.