About You
Income in Retirement
Any income you expect to receive during retirement — Social Security, pensions, rental income, part-time work, etc. These reduce how much you need to withdraw from savings each month.
Growth Assumptions
The annual rate your investments are expected to grow, compounded monthly. A common estimate is 7% before retirement (stocks) and 4–5% during retirement (more conservative mix). These are nominal rates and don't account for inflation.
Annual growth rate on your savings before you retire.
Annual return on your nest egg while you draw from it.
Monthly Spending Goal
Financial planners model retirement spending in three phases: Active (100% of spending, to ~age 75), Slow-go (80% — leisure drops but essentials hold, ages 75–85), and Late retirement (95% — discretionary drops but healthcare rises, 85+). All defaults err toward higher spending to encourage conservative savings targets.
Year-by-Year Drawdown
| Age | Start Balance | Withdrawal | End Balance |
|---|