Annual Contributions
Income sources that offset portfolio withdrawals in retirement. Each reduces how much you need to draw from your portfolio.
Allocation Strategy
Showing allocation at age 30. Shifts automatically each year during simulation.
Non-portfolio assets (home, rental, business equity). Not used in withdrawal simulations — check the box to include an asset's value in the chart.
Advanced features require a 1280px+ wide display. Open on a larger screen to access tax modeling, withdrawal order, and more.
Settings that open a live side panel — changes reflect in the charts instantly.
FI Number
$0
25× annual spending
Projected FI Age
Age 31
95% of trials ready by this age
Success Rate
0%
Trials not depleted
Portfolio at 90
$0
Median ending balance
Portfolio Projection (Full Timeline)
Annual Cash Flows
Contributions and growth (up) vs withdrawals (down) by account type
Sequence of Returns Risk
Each line places a 32% bear market at a different retirement year — same average return, only timing differs.
Crashes before age 91 put this plan at risk.