Your next chapter
A fictional household with $1.1M invested and $650k in home equity. Includes Social Security, healthcare, and estimated federal taxes.
Spending funded through 2060
Investments and income cover modeled spending under these assumptions. Home equity stays separate.
Retirement outlook
Year-end investments available to fund spending. Home equity and other illiquid assets are excluded.
Retirement cash flow
Home equity, property, vehicles, and unexercised options remain in net worth and cannot fund spending. Saved household income reduces withdrawals. Federal tax and saved healthcare costs are included below.
- Income in 2031
- $0
- Healthcare in 2031
- $10,397
- Federal tax in 2031
- $0
- Portfolio withdrawals in 2031
- $68,397
No unfunded spending in this projection under the saved assumptions.
Tax settings and assumptions
Withdrawals are proportional across investments after cash and HSA withdrawals for medical out-of-pocket costs and Medicare Parts B/D. The estimate uses 2026 federal brackets, indexed by your inflation assumption for later years, and Social Security taxation. Taxable sales assume long-term gains. Missing account types use taxable brokerage; missing basis uses today's holding value. State taxes, penalties, credits, required distributions, and investment-income surtaxes are not modeled. Healthcare inflation is 5.5% annually; IRMAA uses 2026 thresholds held fixed. Saved premium amounts are used as entered. The first two Medicare years approximate prior income from current income streams; later years use modeled income from two years earlier. Healthcare is added to spending unless you mark it as already included in Retirement Settings.
Investment Breakdown
| Asset / Ticker | Asset Price | Quantity | CAGR %CAGR = Compound Annual Growth Rate. The expected yearly return for this asset, used to project future value. | Total Value | Access |
|---|---|---|---|---|---|
$ Total stock market ETF$+ $1,500/mo until 2031 VTI | $ | % | $850,000 +$18,000/yr | Read-only | |
$ Primary residence🏠No recurring contribution HOME | $ | % | $650,000 | Read-only | |
$ Total bond market ETF$No recurring contribution BND | $ | % | $250,000 | Read-only |
Analysis Library
More analysis tools are available in Decision Analysis and Retirement Toolkit.
This sample shows the baseline projection. Paid plans add additional analysis modules and planning tools.
- Monte Carlo Simulations
- Scenario Comparison
- Sequence of Returns Risk
- Historical Backtesting
- Tax-Optimized Withdrawals
- Social Security Optimizer
- RMD Calculator
- Healthcare Cost Modeling
Year-by-Year Breakdown
| Row | 2026 | 2027 | 2028 | 2029 | 2030 | 2031 | 2032 | 2033 | 2034 | 2035 | 2036 | 2037 | 2038 | 2039 | 2040 | 2041 | 2042 | 2043 | 2044 | 2045 | 2046 | 2047 | 2048 | 2049 | 2050 | 2051 | 2052 | 2053 | 2054 | 2055 | 2056 | 2057 | 2058 | 2059 | 2060 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Balance | $1,750,000 | $1,848,330 | $1,951,756 | $2,060,559 | $2,175,035 | $2,295,497 | $2,334,802 | $2,373,827 | $2,444,475 | $2,517,211 | $2,592,086 | $2,669,108 | $2,748,212 | $2,829,434 | $2,912,810 | $2,998,374 | $3,086,156 | $3,176,187 | $3,268,493 | $3,363,099 | $3,460,024 | $3,559,458 | $3,661,436 | $3,765,985 | $3,873,126 | $3,982,878 | $3,808,773 | $3,604,631 | $3,336,096 | $3,368,992 | $3,397,398 | $3,440,996 | $3,481,241 | $3,517,679 | $3,549,818 |
| Asset Appreciation (Estimate) | $80,330 | $85,426 | $90,803 | $96,476 | $102,463 | $107,701 | $109,444 | $111,156 | $114,604 | $118,156 | $121,814 | $125,578 | $129,444 | $133,415 | $137,490 | $141,672 | $145,961 | $150,360 | $154,868 | $159,486 | $164,216 | $169,066 | $174,039 | $179,134 | $184,353 | $189,696 | $178,877 | $166,285 | $149,955 | $150,742 | $151,232 | $152,549 | $153,633 | $154,456 | $154,988 |
| Balance after appreciation | $1,848,330 | $1,951,756 | $2,060,559 | $2,175,035 | $2,295,497 | $2,403,198 | $2,444,246 | $2,484,983 | $2,559,079 | $2,635,367 | $2,713,900 | $2,794,686 | $2,877,656 | $2,962,849 | $3,050,300 | $3,140,045 | $3,232,117 | $3,326,547 | $3,423,361 | $3,522,585 | $3,624,239 | $3,728,524 | $3,835,475 | $3,945,119 | $4,057,479 | $4,172,574 | $3,987,649 | $3,770,916 | $3,486,052 | $3,519,733 | $3,548,629 | $3,593,545 | $3,634,874 | $3,672,135 | $3,704,805 |
| Retirement Spending | $0 | $0 | $0 | $0 | $0 | ($58,000) | ($59,450) | ($60,936) | ($62,460) | ($64,021) | ($65,622) | ($67,262) | ($68,944) | ($70,667) | ($72,434) | ($74,245) | ($76,101) | ($78,004) | ($79,954) | ($81,952) | ($84,001) | ($86,101) | ($88,254) | ($90,460) | ($92,722) | ($95,040) | ($97,416) | ($99,851) | ($102,347) | ($104,906) | ($107,529) | ($110,217) | ($112,972) | ($115,797) | ($118,692) |
| Household Income | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $32,000 | $32,800 | $33,620 | $34,460 | $35,322 | $36,205 | $37,110 | $38,038 | $38,989 | $39,964 | $40,963 | $41,987 | $43,036 | $44,112 | $45,215 | $46,346 | $47,504 | $48,692 | $49,909 | $51,157 | $52,436 | $53,747 | $55,090 | $56,468 | $57,879 | $59,326 | $60,809 | $62,330 |
| Healthcare Cost | $0 | $0 | $0 | $0 | $0 | $10,397 | $10,968 | $11,572 | $12,208 | $12,880 | $13,588 | $14,335 | $15,124 | $15,956 | $16,833 | $17,759 | $18,736 | $19,766 | $20,853 | $22,000 | $23,210 | $24,487 | $25,834 | $27,254 | $28,753 | $278,205 | $293,507 | $336,623 | $64,078 | $67,602 | $54,024 | $56,995 | $60,130 | $63,437 | $66,926 |
| Federal Tax | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $43 | $199 | $360 | $526 | $697 | $874 | $1,057 | $1,246 | $1,442 | $1,645 | $1,682 | $1,715 | $1,748 | $1,782 | $1,817 | $40,466 | $43,253 | $50,780 | $4,381 | $4,918 | $2,548 | $2,971 | $3,418 | $3,893 | $4,396 |
| Portfolio Withdrawals | $0 | $0 | $0 | $0 | $0 | $68,397 | $70,418 | $40,508 | $41,868 | $43,281 | $44,792 | $46,474 | $48,222 | $50,038 | $51,926 | $53,889 | $55,930 | $58,053 | $60,262 | $62,561 | $64,781 | $67,088 | $69,490 | $71,993 | $74,601 | $363,801 | $383,018 | $434,819 | $117,060 | $122,336 | $107,633 | $112,304 | $117,195 | $122,317 | $127,684 |
| Liquid Closing Balance | $1,178,830 | $1,262,171 | $1,350,286 | $1,443,454 | $1,541,969 | $1,558,668 | $1,574,409 | $1,621,075 | $1,669,109 | $1,718,541 | $1,769,356 | $1,821,467 | $1,874,887 | $1,929,627 | $1,985,695 | $2,043,097 | $2,101,836 | $2,161,912 | $2,223,320 | $2,286,051 | $2,350,266 | $2,415,969 | $2,483,154 | $2,551,810 | $2,621,923 | $2,406,988 | $2,160,793 | $1,848,943 | $1,837,224 | $1,819,677 | $1,815,944 | $1,807,438 | $1,793,661 | $1,774,079 | $1,748,111 |
| Unfunded Spending | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| ▶Closing Net Worth | $1,848,330 | $1,951,756 | $2,060,559 | $2,175,035 | $2,295,497 | $2,334,802 | $2,373,827 | $2,444,475 | $2,517,211 | $2,592,086 | $2,669,108 | $2,748,212 | $2,829,434 | $2,912,810 | $2,998,374 | $3,086,156 | $3,176,187 | $3,268,493 | $3,363,099 | $3,460,024 | $3,559,458 | $3,661,436 | $3,765,985 | $3,873,126 | $3,982,878 | $3,808,773 | $3,604,631 | $3,336,096 | $3,368,992 | $3,397,398 | $3,440,996 | $3,481,241 | $3,517,679 | $3,549,818 | $3,577,121 |