How it works: Instead of entering a spending target, this tool calculates how much income your assets can provide each year until Social Security stabilizes your plan.

Ages

Enter 0 if no spouse
Early withdrawal penalty ends (usually 59.5)
Early withdrawal penalty ends (usually 59.5)

Asset Balances

Combined Roth (contributions always penalty-free)

Social Security

Enter 0 if no spouse

Assumptions

6.0%
3.5%
4.0%
HYSA / money market rate
Set to 0 for nominal dollars

Portfolio Balance Over Time

Income Sources by Year

Year-by-Year Income Plan