Retirement Planning
Retirement Planner
Model household retirement drawdown with investment growth, inflation-adjusted spending, and Social Security income. This is a planning tool, not financial advice.
Household Inputs
Core profile and starting portfolio
Spending & Assumptions
Annual need, inflation, return, and planning horizon
Social Security
Start age is optional. Annual amount defaults to $20,000 each.
Final balance
-$8,143,114
Expected return
5.0%
Status
Runs out before longevity target
Depletion point
Year 2
Age 63 / 61
Balance Trend
Ending portfolio balance by year
Y1
$15,000
Y2
-$76,500
Y3
-$174,881
Y4
-$280,545
Y5
-$393,916
Y6
-$515,438
Y7
-$645,583
Y8
-$784,844
Y9
-$933,742
Y10
-$1,092,827
Y11
-$1,262,676
Y12
-$1,443,897
Y13
-$1,637,132
Y14
-$1,843,055
Y15
-$2,062,375
Y16
-$2,295,841
Y17
-$2,544,238
Y18
-$2,808,396
Y19
-$3,089,185
Y20
-$3,387,523
Y21
-$3,704,374
Y22
-$4,040,755
Y23
-$4,397,735
Y24
-$4,776,436
Y25
-$5,178,044
Y26
-$5,603,801
Y27
-$6,055,017
Y28
-$6,533,070
Y29
-$7,039,408
Y30
-$7,575,555
Y31
-$8,143,114
Detailed Projection
Year-by-year view of growth, spending, Social Security, and balance
| Year | Your Age | Spouse Age | Start Balance | Growth | Spending | Social Security | End Balance |
|---|---|---|---|---|---|---|---|
| 1 | 62 | 60 | $100,000 | $5,000 | $90,000 | $0 | $15,000 |
| 2 | 63 | 61 | $15,000 | $750 | $92,250 | $0 | -$76,500 |
| 3 | 64 | 62 | -$76,500 | -$3,825 | $94,556 | $0 | -$174,881 |
| 4 | 65 | 63 | -$174,881 | -$8,744 | $96,920 | $0 | -$280,545 |
| 5 | 66 | 64 | -$280,545 | -$14,027 | $99,343 | $0 | -$393,916 |
| 6 | 67 | 65 | -$393,916 | -$19,696 | $101,827 | $0 | -$515,438 |
| 7 | 68 | 66 | -$515,438 | -$25,772 | $104,372 | $0 | -$645,583 |
| 8 | 69 | 67 | -$645,583 | -$32,279 | $106,982 | $0 | -$784,844 |
| 9 | 70 | 68 | -$784,844 | -$39,242 | $109,656 | $0 | -$933,742 |
| 10 | 71 | 69 | -$933,742 | -$46,687 | $112,398 | $0 | -$1,092,827 |
| 11 | 72 | 70 | -$1,092,827 | -$54,641 | $115,208 | $0 | -$1,262,676 |
| 12 | 73 | 71 | -$1,262,676 | -$63,134 | $118,088 | $0 | -$1,443,897 |
| 13 | 74 | 72 | -$1,443,897 | -$72,195 | $121,040 | $0 | -$1,637,132 |
| 14 | 75 | 73 | -$1,637,132 | -$81,857 | $124,066 | $0 | -$1,843,055 |
| 15 | 76 | 74 | -$1,843,055 | -$92,153 | $127,168 | $0 | -$2,062,375 |
| 16 | 77 | 75 | -$2,062,375 | -$103,119 | $130,347 | $0 | -$2,295,841 |
| 17 | 78 | 76 | -$2,295,841 | -$114,792 | $133,606 | $0 | -$2,544,238 |
| 18 | 79 | 77 | -$2,544,238 | -$127,212 | $136,946 | $0 | -$2,808,396 |
| 19 | 80 | 78 | -$2,808,396 | -$140,420 | $140,369 | $0 | -$3,089,185 |
| 20 | 81 | 79 | -$3,089,185 | -$154,459 | $143,879 | $0 | -$3,387,523 |
| 21 | 82 | 80 | -$3,387,523 | -$169,376 | $147,475 | $0 | -$3,704,374 |
| 22 | 83 | 81 | -$3,704,374 | -$185,219 | $151,162 | $0 | -$4,040,755 |
| 23 | 84 | 82 | -$4,040,755 | -$202,038 | $154,941 | $0 | -$4,397,735 |
| 24 | 85 | 83 | -$4,397,735 | -$219,887 | $158,815 | $0 | -$4,776,436 |
| 25 | 86 | 84 | -$4,776,436 | -$238,822 | $162,785 | $0 | -$5,178,044 |
| 26 | 87 | 85 | -$5,178,044 | -$258,902 | $166,855 | $0 | -$5,603,801 |
| 27 | 88 | 86 | -$5,603,801 | -$280,190 | $171,026 | $0 | -$6,055,017 |
| 28 | 89 | 87 | -$6,055,017 | -$302,751 | $175,302 | $0 | -$6,533,070 |
| 29 | 90 | 88 | -$6,533,070 | -$326,653 | $179,685 | $0 | -$7,039,408 |
| 30 | 91 | 89 | -$7,039,408 | -$351,970 | $184,177 | $0 | -$7,575,555 |
| 31 | 92 | 90 | -$7,575,555 | -$378,778 | $188,781 | $0 | -$8,143,114 |