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| Planning for | Mode | Choose whether this is one-person or joint household planning | |
| Current calendar year | Year | Update with the current year |
| Current age | Years | |
| Retirement age | Age when portfolio withdrawals begin |
| Annual amount | Today's $ / year | |
| Start age | Age | |
| Annual increase | % | COLA |
| Name or label | Optional | |
| Current age | Years | |
| Planned retirement age | Age | |
| Guaranteed annual income | Today's $ | |
| Income start age | Age | |
| Annual income increase | % | COLA |
| Name or label | Optional | |
| Current age | Years | |
| Planned retirement age | Age | |
| Guaranteed annual income | Today's $ | |
| Income start age | Age | |
| Annual income increase | % | COLA |
| Household portfolio withdrawals begin | Rule | This date controls the investment accumulation period and the start of the retirement projection | |
| Custom withdrawal start year | Year | Used only when Custom calendar year is selected | |
| Calculated household withdrawal start | Timeline | Based on both ages and your selected rule |
| Planning Input | Value | Units | Explanation |
|---|---|---|---|
| Years until portfolio withdrawals begin | Years | Calculated from the individual or household timeline | |
| Estimated portfolio withdrawal start year | Year | Approximate year retirement portfolio withdrawals begin | |
| Expected annual spending in retirement | Today's $ / year | Desired household retirement lifestyle spending in today's dollars | |
| Spending amount is | Basis | Choose whether the spending amount above is before tax or the amount you want available after taxes | |
| Estimated effective tax rate in retirement | % | % | Used only for after-tax spending. This is a simplified effective-rate assumption, not a tax-return calculation. |
| Tax-adjusted spending used | Today's $ / year | Before-tax annual spending requirement used by the Retirement Number and retirement projections | |
| Inflation rate | % | % | Used to convert today's spending and future benefit estimates into future dollars |
| Initial portfolio withdrawal rate | % | % | Primary withdrawal-rate assumption |
| Spending in first withdrawal year | |
| Years until full guaranteed-income phase | |
| Guaranteed income in full-income year | |
| Spending in full-income year | |
| Net annual portfolio need in full-income year | |
| Long-term target in full-income year | |
| Reserve before full-income phase | |
| Amount needed at withdrawal start to grow into long-term target | |
| Retirement Number check |
| Portfolio needed when withdrawals begin () | Future $ | Estimated portfolio needed at the beginning of the retirement withdrawal timeline | |
| First-year portfolio-funded spending need | Future $ / year | Household spending not covered by guaranteed income in the first withdrawal year | |
| Monthly portfolio-funded spending need | Future $ / month | Monthly equivalent of first-year portfolio-funded spending |
| Planning Input | Value | Units | Explanation |
|---|---|---|---|
| Planning household | Mode | Linked from Retirement Number | |
| Portfolio withdrawal start | Timeline | Linked from Retirement Number | |
| Years to invest | Years | Current year through portfolio withdrawal start | |
| Starting amount | Current $ | Current invested retirement portfolio | |
| Expected annual return | % | % | Assumed annual return before taxes and fees |
| Compound frequency | Frequency | How often the stated return compounds | |
| Additional contribution | $ per period | Amount added each month or year | |
| Contribution frequency | Frequency | Monthly or yearly contributions | |
| Contribution timing | Timing | Beginning or end of each contribution period |
| Result | Value | Units | Interpretation |
|---|---|---|---|
| End balance | Future $ | Calculated portfolio when withdrawals begin | |
| Starting amount | Current $ | Your initial invested balance | |
| Total contributions | Future contributions | Additional deposits, excluding growth | |
| Investment growth | Future $ | End balance minus starting amount and contributions | |
| Portfolio withdrawal start year | Year | Linked from Retirement Number | |
| Retirement portfolio target | Future $ | Portfolio needed for the lifestyle plan | |
| Surplus / (Shortfall) vs target | Future $ | End balance compared with target |
| Planning household | Mode | Linked from Retirement Number | |
| Portfolio withdrawal start | Timeline | Linked from Retirement Number | |
| Years to invest | Years | Calculated | |
| Portfolio target | Future $ | Linked from Retirement Number | |
| Current invested balance | Current $ | Shared with Investment Calculator | |
| Expected annual return | % | Shared with Investment Calculator | |
| Contribution timing | Timing | Shared with Investment Calculator |
| Required monthly savings | $ / month | |
| Future value of current balance | Future $ | |
| Gap funded by new savings | Future $ | |
| Total new deposits | Nominal $ | |
| Implied investment growth | Future $ | |
| Status | ||
| Retirement portfolio target | Future $ | |
| Projected portfolio at withdrawal start | Future $ | |
| Current monthly savings equivalent | $ / month | |
| Required monthly savings | $ / month | |
| Projected cushion | Years of first withdrawal |
| Portfolio withdrawal start year | Year | Linked | |
| Withdrawal-start timeline | Timeline | Linked | |
| Expected portfolio at withdrawal start | Future $ | Investment Calculator | |
| Initial portfolio withdrawal rate | % | % | First-year planned withdrawal rate |
| Inflation rate | % | Retirement Number | |
| Plan through age | Age | For couples, this applies to the younger person | |
| First-year spending | Future $ | Retirement Number | |
| Guaranteed-income start(s) | Timeline | Retirement Number | |
| Guaranteed income in full-income year | Future $ | Retirement Number | |
| Guaranteed-income COLA(s) | % | Retirement Number | |
| Expected annual return in retirement | % | % | Constant projection assumption |
| Planned first-year portfolio withdrawal | |
| Portfolio-funded spending need | |
| Withdrawal surplus / (shortfall) | |
| Retirement portfolio target | |
| Funding surplus / (shortfall) | |
| Projected ending portfolio | |
| Original plan survives? | |
| First depletion year / age(s) | |
| Lowest projected balance |
| Expected portfolio at withdrawal start | Future $ | |
| Cash reserve years | Years | |
| Stable investment reserve years | Years | |
| Allocation structure | ||
| Cash reserve | ||
| Stable investments | ||
| Long-term growth | ||
| Total defensive reserve | ||
| Allocation check | Should be 0 |
| Input | Value | Units | Meaning |
|---|---|---|---|
| Completed retirement year reviewed | Year number | Reviewed after the retirement year ends | |
| Beginning portfolio | Current $ | Calculated from the updated projection | |
| Ending portfolio | Current $ | Actual balance at end of completed year | |
| Contributions / deposits | Current $ | Outside money added during year | |
| Actual portfolio withdrawal | Current $ | Money leaving portfolio during year | |
| Cash reserve at review | Current $ | Cash available before upcoming withdrawal | |
| Stable investments at review | Current $ | Stable assets available now | |
| Target cash-reserve years | Years | Linked from Reserve Setup | |
| Target stable-investment years | Years | Linked from Reserve Setup |
| Calendar year | Year | |
| Age(s) during completed year | Age(s) | |
| Original planned ending portfolio | Future $ | |
| Actual ending portfolio | Current $ | |
| Estimated investment return | % | |
| Ahead / (behind) original plan | % | |
| Current retirement position | ||
| Upcoming retirement year | Year number | |
| Upcoming planned withdrawal | Future $ / year | |
Use Export backup in the top-right corner. The exported JSON file can be restored with Import backup.
Couple mode uses one household spending goal, one combined investment portfolio, two ages, two retirement dates, and two guaranteed-income streams. Choose the start date when the household expects to begin drawing from investments; employment income is not modeled. Both entered guaranteed-income streams continue through the planning horizon, and survivor changes are not modeled yet.
This is an educational planning tool, not individualized investment, tax, legal, insurance, or financial advice.