Retirement drawdown projection

The math is real.
The number is yours.

Project your assets, income, withdrawals, and taxes year by year, with real 2026 federal brackets.

Free · No signup · Runs in your browser

Launch Calculator → See How It Works

Current age 55

Total savings $600k

Annual spending $95k

Married filing jointly · taxes modeled · drag a slider.

Peak assets

$1.23M

Money lasts to

Age 88

Free is the calculator.
Pro is the toolkit.

Built for people who want real numbers, not feel-good estimates.

Free $0 · no signup

The complete calculator.

Full lifetime projection

Year-by-year asset, income, and withdrawal modeling through age 100.
Five account types

Cash, taxable, Roth, tax-deferred (401k/IRA/TSP), and crypto/alternatives. Custom growth rates and priority order.
2026 federal tax engine

Progressive brackets with standard deduction. Iterative gross-up covers the tax bill.
Four interactive charts

Asset breakdown, withdrawal timeline, spending vs inflation, sensitivity analysis.
Excel workbook export

Formatted .xlsx with embedded charts, inputs sheet, currency-formatted columns.

Pro $10 / month

The toolkit for serious planning.

Save up to 50 scenarios

Persist plans across sessions. Revisit, rename, duplicate, delete.
Side-by-side comparison

Compare two plans or withdrawal strategies. See how retiring at 55 vs 62 changes the picture.
Professional PDF reports

Seventeen-page report with portfolio trajectory and RMD projections for your advisor.
50-state tax modeling

Progressive brackets, flat rates, and no-tax states. Audit-verified 2025 data.
Portfolio stress testing

Pressure-test the plan against bad markets and early-retirement sensitivity.
Monte Carlo simulation

Run thousands of randomised projections to see the probability distribution of outcomes.
Social Security timing & longevity

Sweep every claiming age 62–70 with break-even ages. For couples, optimize both claim ages and model the survivor’s benefit. Weighted by your SSA life-table odds of reaching 85, 90, and 95.
Roth conversion analysis

Find the conversion ceiling and tax-bracket headroom for moving deferred to Roth.
Strategy Optimizer

Sweeps every Roth conversion plan and recommends the one that leaves you with the lowest lifetime tax bill.

Four inputs.
One projection.

You enter what you have. We loop year by year through growth, withdrawals, RMDs at 73, and real 2026 federal tax math, then hand back a full lifetime picture you can export to Excel and share with your advisor.

See the full method →

Inputs

Age, balances across five account types, Social Security, pensions, contribution schedule. No account needed.
Rules

Growth rates per account. Tax-efficient withdrawal order, editable per scenario.
Output

Four charts plus a year-by-year table: assets, income, withdrawals, tax burden.
Export

Formatted .xlsx with embedded charts, currency-formatted columns, inputs sheet.

The math is free.
The workflow is Pro.

The full calculator is free. Pro adds saved scenarios, PDF reports, state taxes, stress testing, Monte Carlo, Social Security timing & longevity, and Roth conversion analysis.

Free

Full calculator, no signup required.