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Dynamic Portfolio & Withdrawal Projections (Age 55 to 98)

Display: 2026 Today's Dollars
👤 Personal & Timeline Profile
Automatically updates Standard Deduction, Tax Brackets, IRMAA thresholds & Spouse SS
💰 Initial Portfolio & Account Mix
Pre-Tax 401k (%)
Roth (%)
Brok. Basis (%)
401k: 80% ($160,000) | Roth: 20% ($40,000) | Brokerage: 0% ($0)
Return: 5.0%
🔒 Sequence of Returns Stress-Testing is a Pro feature Unlock →
📉 Sequence of Returns (SORR)🔒 PRO Shock @ Age 65
Applies a constant annual real return equal to the Return Slider every year.
Sequence Start Timing
First 12 Years from Shock Anchor (Real %) 5-Yr Avg: 5.0%
📊 Stress-Test Comparison Matrix (Click Row to Activate)
Scenario 1st 5-Yr Longevity End Bal
💵 Wage Income & Social Security
🔒 Home Equity Cash-Out is a Pro feature Unlock →
Base Home Value ($)
Home Apprec. (%/yr)
Cash-Out Proceeds (2026 $)
Infusion at Age: 75
Age: 75
🔒 CCRC Buy-In & Refundable Equity is a Pro feature Unlock →
Buy-In Cost ($)
Buy-In Age
⚠️ Only some of a CCRC entrance fee qualifies for tax-free HSA distributions. Consult a CPA or tax attorney for details.
Inflated to the projected execution year; deducted at age 75
Withdrawal Phases (2026 $) 🔒 MULTI-PHASE PRO
Sequential retirement withdrawal stages. The final active phase runs through Age 98.
Age 65+
Rate (%)
Min Floor ($)
Max Cap ($)
Runs through Age 98 (final active withdrawal phase)
🔒 PRO
Rate (%)
Min Floor ($)
Max Cap ($)
Duration: 10 yrs
Pre-Retirement Contribution Stages 🔒 MULTI-STAGE PRO
Periods / Year
Employer Match / Period ($)
Pre-Tax 401k (%)
Std Limit ($/yr)
Catch-Up ($/yr)
Catch-Up Start Age
Catch-Up End Age
Enhanced catch-up applies from Start to End Age (inclusive); excess above cap overflows to Brokerage
Pre-retirement accumulation stages. Uncheck a stage to skip it in the timeline.
Age 55 → 64
Per-Period Contrib ($)
Stage Note / Purpose
Paying Taxes
Duration: 9 yrs
🔒 PRO
Per-Period Contrib ($)
Stage Note / Purpose
Paying down debt
Duration: 1 yrs
🔒 PRO
Per-Period Contrib ($)
Stage Note / Purpose
Additional free spend
Duration: 4 yrs
🔒 PRO
Per-Period Contrib ($)
Stage Note / Purpose
Vacation/House
Duration: 5 yrs
⚙️ Core Assumptions, HSA, RMD & Tax/IRMAA 🔒 PRO
🔒 Tax Bracket Sequencing, IRMAA Lookback & HSA are Pro features Unlock →
🔒 One-Time Liquidity Events require Pro Unlock →
Deducted from capital at specified age. Only check "HSA" for IRS-qualified medical or eligible LTC expenses (IRC § 213(d)).
Annual projections, account balances, cash flows, taxes, HSA, assumptions and events
Total balance by age in 2026 $ → paste into 'Expected Balances' cell A2
Reset all parameters, stages, withdrawal phases, and events back to their default values?
All inputs are automatically saved between browser sessions
Ending Portfolio (Age 98) $0 Gross Balance (Free Tier)
Avg Annual Net Income $91,102 Ages 65–98 (34 yrs)
Lifetime Taxes & IRMAA 🔒 Pro Only Unlock Pro for Tax & IRMAA
Peak Annual RMD 🔒 Pro Only Unlock Pro for RMD table
Portfolio Longevity Depleted @ 75 Shortfall of 23 yrs

Age Range

Total Income (w/ SS & Expenses): $0
Net Spendable (After Tax): $0
Total Withdrawals: $0
One-Time Expenses: $0
Estimated Taxes: $0
  └ incl. capital gains: $0
Interest Earned: $0
Important Educational & Tax Disclaimer: This simulator is a self-directed mathematical modeling tool provided strictly for educational and illustrative purposes. It does not constitute personalized financial, investment, tax, or legal advice, and its creator is not an RIA, CFP, CPA, or attorney. All projections are hypothetical estimates using simplified federal tax approximations (excluding state/local income taxes, the 3.8% Net Investment Income Tax, AMT, iterative tax-on-tax gross-ups, and the IRS Provisional Income formula for Social Security). Provided "AS IS" without warranty of any kind; always consult a qualified CPA or fiduciary financial advisor before making withdrawal, tax, or healthcare decisions.
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🚀 Unlock the Pro Execution Suite (v3.0)

Upgrade from basic gross projections to the complete Decumulation Modeling Suite:

  • Tax-Aware Withdrawal Modeling & Sequencing: Models 12% federal ordinary bracket filling before tapping Brokerage & Roth, while tracking capital gains basis and RMDs.
  • Sequence of Returns (SORR) Stress-Testing Studio: Test your plan against the 1966 Stagflation era, 2000 Lost Decade, 1973 Oil Crash, 1929 Depression, and custom return sequences.
  • Medicare IRMAA 2-Year Lookback & Chart Shading: Highlights projected MAGI cliff years and estimates Part B/D surcharges automatically.
  • Housing & CCRC Buy-In Modeling: Downsizing home equity infusions, CCRC entrance fees, qualified HSA medical funding, and refundable equity credits.
  • Actual-vs-Plan Execution Spreadsheet Sync: One-click baseline copy (`Expected Balances!A2`) + chart click-to-copy annual execution snapshots.
  • Unlimited Stages, Liquidity Events & AI Exports: Unlimited contribution/withdrawal phases plus full LLM-ready JSON & CSV scenario exports.

Educational modeling software only (not personalized financial or tax advice). Provided "AS IS" without warranty. Because digital orders include unlocked downloadable files, all sales are final except where required by law.

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