Retirement Planner
Model whether a portfolio can sustain a spending plan through retirement using historical sequences, Monte Carlo simulation, and configurable income streams.
The Retirement Planner simulates retirement one year at a time: spending rule, income offsets, spending adjustments, then portfolio growth at that year's real return.
Use it to compare spending rules, stress-test against poor sequences, and see where a plan breaks before committing to an allocation or spending level.
Most calculators assume a constant real return and a single withdrawal rate. This planner lets you define the spending rule, overlay real income streams, and see how sequence risk and rule behavior interact year by year.
Does the planner account for taxes during retirement?
Not directly. Values are shown in real (constant purchasing-power) dollars. Tax drag on withdrawals should be factored in when choosing a spending level.