Retirement and protection

Retirement cash-flow projection

Year-by-year balances across taxable, tax-deferred and Roth accounts through retirement, with required minimum distributions and a withdrawal order, plus a seeded Monte Carlo success rate that reproduces exactly.

Ages

Current age

Retirement age

Plan to age

Balances and contributions until retirement

Taxable account

Cost basis of the taxable account

Share of the balance that is basis; only the rest is taxed when withdrawn.

Annual contribution, taxable

Tax-deferred (401(k), IRA)

Annual contribution, tax-deferred

Roth

Annual contribution, Roth

Returns, spending and income

Expected nominal return

One blended return for every account.

Volatility

Annual standard deviation for the Monte Carlo.

Inflation

Annual spending, today's dollars

Social Security start age

Social Security, annual, today's dollars

Grows with inflation.

Pension start age

Pension, annual

0 for none.

Pension has a cost-of-living adjustment

Taxes and withdrawal order

Effective tax rate on tax-deferred withdrawals

A flat rate, 0 to 50; the full bracket engine is a later version.

Effective tax rate on taxable-account gains

Withdrawal order

Monte Carlo seed

Any integer. The same seed always gives the same result.

Balance at the plan age, expected return

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Loading tax parameters.

Balances by account

Deterministic path at the expected return

Year by year

Age	Taxable	Deferred	Roth	Total	Need	RMD	Withdrawn

Show the math

Assumptions and limits