◉ Monte Carlo: eq 9.3%±18%, FI 4.7%±6%, cash 3%±2% a year
◉ Historical: S&P 500 with dividends, bond and cash interest rates and actual CPI inflation, 1871–2013
◉ Fixed: the whole portfolio earns the rates below; allocation isn't used
💸 Retirement Spending
Spending then rises with inflation every year of retirement.
🔁 Second spending period
➕ Additional Expenses
✈️ Entertainment/Travel (inflation‑adj)
🚗 Automobile (inflation‑adj)
🏥 Healthcare (inflation‑adj)
🏠 Property Taxes (inflation‑adj)
🔨 Home Improvements (inflation‑adj)
🎓 Life Events
🎓 College child 1
🎓 College child 2
🎓 College child 3
💵 One-time cash 1
💵 One-time cash 2
👪 Leave an inheritance
A run only counts as a success if at least this much is left at the end.
🏡 Home equity (tracked, not spent)
💰 Income Sources
🛡️ Social Security (inflation‑adj)
📌 Pension 1
📌 Pension 2
⏱️ auto‑runs on any change
Running…
📈 Monte Carlo balance (total)
age 54 → 88
📊 Median asset composition (stacked)401k & Investments
Spending comes from the 401k once you reach the 401k start age, and from investments before that. Home equity is shown separately and never spent.
📋 Balance at selected ages (10th / 50th / 90th)
Age
10th %
50th %
90th %
Disclaimers: Investing involves risk. Principal loss is possible. Past performance is not indicative of future results. Nothing herein is financial advice.
🗓️ Year by year
Age
Total
Total (today's $)
401k
Investments
Contributions
Spending & costs
Income & cash in
Market return
Home equity
🔹 Pick a return model above. Historical runs replay real market years (1871–2013), one retirement per start year, and report how many lasted. Early 401k withdrawals (before the start age, only if investments run out) don't include the 10% penalty.
🛡️ Social Security (inflation‑adj)