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Retirement
Planner
Retirement
Income Plan
Drawdown strategy · Social Security · Roth conversions · Year-by-year
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Who You Are
Married / Partner?
Yes
No
Your Name
Spouse's Name
Your Age
0
Range: 40 – 75 yrs
Spouse Age
0
Range: 40 – 75 yrs
Your Retire Age
0
Range: 50 – 75 yrs
Spouse Retire Age
0
Range: 50 – 75 yrs
💼
Annual Work Income
Your Income
$0
Range: $0 – $500K / yr
Spouse Income
$0
Range: $0 – $500K / yr
Annual Pay Raise %
0.0%
Range: 0% – 10% per year
💸
Spending & Inflation
Annual Spending (today $)
$0
Range: $20K – $300K / yr
General CPI
0.0%
Typical: 2 – 3%
Extra Lifestyle
0.0%
Lifestyle creep above CPI
🏦
Assets — IRA & 401(k)
Traditional IRA Balance
Yours
$0
Range: $0 – $3M
Spouse's
$0
Range: $0 – $3M
401(k) Balance
Yours
$0
Range: $0 – $2M
Spouse's
$0
Range: $0 – $2M
401(k) Annual Contribution
Yours
$0
Max 2024: $23,000
Spouse's
$0
Max 2024: $23,000
🔄
Roth IRA & Conversion
Roth IRA Balance
Yours
$0
Range: $0 – $1M
Spouse's
$0
Range: $0 – $1M
Max Roth Conversion / yr
$0
Typical: $50K–$100K (tax bracket dependent)
💰
Liquid & Brokerage
Brokerage (taxable)
$0
Range: $0 – $2M
Cash / Savings
$0
Range: $0 – $500K
Home Value
$0
Current market value
Downsize Target
$0
New home price (0 = stay)
📋
Social Security
Monthly Benefit @ 62 (auto-estimated)
Yours
$0
✦ estimated from age
Spouse's
$0
✦ estimated from age
🏥
Healthcare & Returns
ACA (pre-65) / yr
$0
Avg ~$18K–$24K / yr
Medicare (each) / yr
$0
Avg ~$6K–$8K / yr
Portfolio Annual Return
0.0%
Historical avg: 6–8%; conservative: 4–5%
Net Worth Today
—
Assets + home
Total Investable
—
IRA + Roth + 401k + Cash
Combined SS / yr
—
At age 62
Portfolio @ Age 80
—
Projected total
Portfolio @ Age 90
—
Projected total
Plan Health
◈
Stable
Enter your numbers to see projection
Portfolio Growth · 2026–2056
Portfolio ($M, left)
Spending ($K, right)
SS Income ($K, right)
Year-by-Year Plan
Columns shown only when values are non-zero · Milestones highlighted