Inputs

Income & Spending

Social Security

SS Start Age Age benefits begin Annual Benefit Annual Social Security income SS COLA (%) Annual cost-of-living increase Apply COLA to Social Security

Pension / Annuity

Pension Start Age Age this pension begins Annual Pension Annual pension income Pension COLA (%) Annual cost-of-living increase Apply COLA to Pension

Spending & Savings

Needed Income at Retirement Annual spending goal at retirement Inflation (%) Annual rate, e.g. 3 = 3% Contribution / Year Annual savings added to portfolio Contribution Start Age Age you begin contributing Contribution End Age Age contributions stop

Capital Structure

Accounts grouped by tax treatment.

1Taxable (Brokerage)🔒

2Other / Speculative🔒

3Tax-Deferred (401k / IRA / TSP)🔒

4Tax-Free (Roth)🔒

5Savings🔒

6Checking🔒

Drag-to-reorder coming soon

Taxable (Brokerage)

Investments subject to capital gains tax

Balance Growth Rate (%)

Other / Speculative

Higher volatility. Consider conservative assumptions.

Balance Growth Rate (%)

Tax-Deferred (401k / IRA / TSP)

Taxes due upon withdrawal — ordinary income. Subject to RMDs beginning at age 73.

Balance Growth Rate (%)

Tax-Free (Roth)

Qualified withdrawals are tax-free

Balance Growth Rate (%)

Cash (Checking / Savings)

Liquid reserves — no capital gains tax

Checking Balance Checking Growth (%) Savings Balance Savings Growth (%)

Maximum Cash Reserve Cash above this will be used before withdrawing from other accounts.

Taxes (2025 Federal)

Include Taxes in Projection Filing Status

▸ View 2025 Federal Tax Brackets

2025 Ordinary Income Brackets

Single:

10%: $0 – $11,600
12%: $11,601 – $47,150
22%: $47,151 – $100,525
24%: $100,526 – $191,950
32%: $191,951 – $243,725
35%: $243,726 – $609,350
37%: $609,351+

Married Filing Jointly:

10%: $0 – $23,200
12%: $23,201 – $94,300
22%: $94,301 – $201,050
24%: $201,051 – $383,900
32%: $383,901 – $487,450
35%: $487,451 – $731,200
37%: $731,201+

Standard Deduction: $14,600 (Single) / $29,200 (Married)

Projection Runs To

—

Projected Peak Assets

Assets Deplete At

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Years of Retirement Funded

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Funding Ratio

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Total Assets Over TimeCumulative portfolio value across your lifetime projection

Asset Breakdown (Stacked)How each account contributes to — and is drawn down from — total wealth

Withdrawal TimelinePension, Social Security, withdrawals, and taxes year by year

Spending vs. Inflation-Adjusted NeedBase case vs. ±1% inflation scenarios — how spending need diverges over time

Early Retirement SensitivityTotal assets at each age if you retire 2 years earlier, 1 year earlier, on target, 1 year later, or 2 years later

Yearly Projection TableAll figures inflation-adjusted to your retirement spending goal

Year	Age	Taxable	Speculative	Tax-Deferred	Tax-Free (Roth)	Cash	Total Assets	Needed Income	Withdrawal	RMD	Taxes	Total Income

Retirement Capital & Income Model

Projection Runs To

Projected Peak Assets

Assets Deplete At

Years of Retirement Funded

Funding Ratio

Total Taxes (est.)

Avg Effective Rate

Total Assets Over TimeCumulative portfolio value across your lifetime projection

Asset Breakdown (Stacked)How each account contributes to — and is drawn down from — total wealth

Withdrawal TimelinePension, Social Security, withdrawals, and taxes year by year

Spending vs. Inflation-Adjusted NeedBase case vs. ±1% inflation scenarios — how spending need diverges over time

Early Retirement SensitivityTotal assets at each age if you retire 2 years earlier, 1 year earlier, on target, 1 year later, or 2 years later

Yearly Projection TableAll figures inflation-adjusted to your retirement spending goal

Projection Runs To

Projected Peak Assets

Assets Deplete At

Years of Retirement Funded

Funding Ratio

Total Taxes (est.)

Avg Effective Rate

Total Assets Over TimeCumulative portfolio value across your lifetime projection

Asset Breakdown (Stacked)How each account contributes to — and is drawn down from — total wealth

Withdrawal TimelinePension, Social Security, withdrawals, and taxes year by year

Spending vs. Inflation-Adjusted NeedBase case vs. ±1% inflation scenarios — how spending need diverges over time

Early Retirement SensitivityTotal assets at each age if you retire 2 years earlier, 1 year earlier, on target, 1 year later, or 2 years later

Yearly Projection TableAll figures inflation-adjusted to your retirement spending goal

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