Retirement Savings Modeler
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Scenario 1
92%
chance money lasts
Money laststhrough age 96+
Median ending$1.32M
Scenario 2
76%
chance money lasts
Money laststhrough age 96+
Median ending$579K
Scenario 3
74%
chance money lasts
Money laststhrough age 96+
Median ending$403K

Scenarios

Copy from:
State & taxes
Spending
Returns
Timing
You
Spouse
Roth conversions
Copy from:
State & taxes
Spending
Returns
Timing
You
Spouse
Roth conversions
Copy from:
State & taxes
Spending
Returns
Timing
You
Spouse
Roth conversions

Retirement assets over time

Steady-return projection — your expected return applied every year, with no market swings. The Monte Carlo median below is typically lower, because volatile returns drag on compounding. Values in today's dollars (inflation-adjusted).

Monte Carlo — ending balance range

10th / 50th / 90th percentile of final retirement assets across 500 simulated return paths — in today's dollars

Social Security claiming optimizer

Tests every claiming age pair (62–70 for each of you) against the Monte Carlo and ranks by chance your money lasts

Roth conversion optimizer

Searches conversion strategies (fill-bracket and flat, across age windows) and ranks by after-tax ending wealth — with RMDs, IRMAA, and the survivor tax cliff all modeled

Scenario detail

Range of outcomes (Monte Carlo)

10th–90th percentile band, with the median path

Assets by account type

Steady-return projection

Income sources

Steady-return projection

Annual taxes & IRMAA

Steady-return projection

Retirement assets by year — all scenarios
AgeScenario 1Scenario 2Scenario 3
55$1,266,891$1,266,891$1,243,211
56$1,373,881$1,373,881$1,324,061
57$1,485,026$1,485,026$1,406,482
58$1,600,488$1,600,488$1,490,503
59$1,720,433$1,720,433$1,576,155
60$1,845,037$1,845,037$1,663,471
61$1,974,480$1,974,480$1,752,482
62$2,108,949$2,001,502$1,843,222
63$2,248,641$2,029,258$1,935,723
64$2,393,757$1,969,015$2,030,020
65$2,436,445$1,907,735$2,019,622
66$2,480,510$1,850,042$2,008,780
67$2,461,742$1,822,807$1,962,198
68$2,442,445$1,795,044$1,915,001
69$2,449,517$1,792,004$1,893,751
70$2,456,635$1,788,906$1,874,106
71$2,463,805$1,785,747$1,854,407
72$2,473,666$1,782,527$1,834,516
73$2,483,804$1,779,244$1,814,432
74$2,494,138$1,775,898$1,794,153
75$2,494,094$1,765,551$1,766,861
76$2,493,886$1,754,849$1,739,212
77$2,486,320$1,738,838$1,706,357
78$2,478,340$1,722,336$1,673,122
79$2,469,968$1,705,356$1,639,525
80$2,461,166$1,687,866$1,605,544
81$2,451,892$1,669,896$1,571,215
82$2,442,050$1,651,399$1,536,500
83$2,431,785$1,632,434$1,501,464
84$2,420,939$1,612,926$1,466,040
85$2,409,677$1,592,944$1,430,301
86$2,397,938$1,572,455$1,394,223
87$2,385,803$1,551,491$1,357,839
88$2,373,410$1,530,109$1,321,206
89$2,360,652$1,508,255$1,284,280
90$2,347,779$1,486,038$1,247,159
91$2,334,737$1,463,427$1,209,818
92$2,321,660$1,440,477$1,172,309
93$2,281,902$1,392,340$1,110,170
94$2,241,632$1,343,315$1,047,574
95$2,201,657$1,293,414$984,533
96$2,161,518$1,242,806$921,192
Year-by-year detail
AgeWagesSoc. Sec.PensionRMDInherit.Ord. incomeFed taxCap-gain taxState taxIRMAAW/D taxableW/D tax-defW/D RothRoth conv.ExpensesTax-def balRoth balTaxable balTotal assets
55 / 53$210,000————$175,000$21,188—$7,201—————$127,600$893,450$154,080$219,361$1,266,891
56 / 54$210,000————$175,000$21,188—$7,201—————$127,600$965,597$175,044$233,240$1,373,881
57 / 55$210,000————$175,000$21,188—$7,201—————$127,600$1,040,546$196,822$247,659$1,485,026
58 / 56$210,000————$175,000$21,188—$7,201—————$127,600$1,118,406$219,445$262,637$1,600,488
59 / 57$210,000————$175,000$21,188—$7,201—————$127,600$1,199,289$242,947$278,197$1,720,433
60 / 58$210,000————$175,000$21,188—$7,201—————$127,600$1,283,313$267,362$294,362$1,845,037
61 / 59$210,000————$175,000$21,188—$7,201—————$127,600$1,370,601$292,725$311,154$1,974,480
62 / 60$210,000————$175,000$21,188—$7,201—————$127,600$1,461,278$319,073$328,598$2,108,949
63 / 61$210,000————$175,000$21,188—$7,201—————$127,600$1,555,476$346,444$346,720$2,248,641
64 / 62$210,000————$175,000$21,188—$7,201—————$127,600$1,653,333$374,878$365,546$2,393,757
65 / 63$90,000————$75,000$4,790$7,222$4,609—$73,814———$127,600$1,733,590$396,927$305,928$2,436,445
66 / 64$90,000————$75,000$4,790$7,503$4,702—$74,094———$127,600$1,816,964$419,831$243,714$2,480,510
67 / 65—$30,000—————$6,933$2,311—$66,933———$90,000$1,852,245$427,983$181,514$2,461,742
68 / 66—$30,000—————$7,098$2,366—$67,098———$90,000$1,888,211$436,294$117,940$2,442,445
69 / 67—$54,000—————$4,354$1,451—$40,354———$90,000$1,924,875$444,765$79,876$2,449,517
70 / 68—$54,000—————$4,445$1,482—$40,445———$90,000$1,962,252$453,402$40,982$2,456,635
71 / 69—$54,000—————$4,532$1,511—$40,532———$90,000$2,000,353$462,206$1,246$2,463,805
72 / 70—$54,000———$36,709$4,414$144$2,092—$1,270$36,709——$90,000$2,002,486$471,180$0$2,473,666
73 / 71—$54,000———$37,895$4,744—$2,182——$37,895——$90,000$2,003,474$480,330$0$2,483,804
74 / 72—$54,000———$37,895$4,808—$2,208——$37,895——$90,000$2,004,482$489,656$0$2,494,138
75 / 73—$54,000—$47,427—$47,427$6,987—$3,116—————$90,000$1,993,605$499,164$1,324$2,494,094
76 / 74—$54,000—$48,144—$48,144$7,076—$3,153—————$90,000$1,981,764$508,857$3,265$2,493,886
77 / 75—$54,000—$81,575—$81,575$11,087—$4,825—————$90,000$1,934,591$518,738$32,992$2,486,320
78 / 76—$54,000—$82,792—$82,792$11,233—$4,886—————$90,000$1,885,225$528,810$64,305$2,478,340
79 / 77—$54,000—$83,864—$83,864$11,362—$4,939—————$90,000$1,833,774$539,078$97,116$2,469,968
80 / 78—$54,000—$85,083—$85,083$11,508—$5,000—————$90,000$1,780,044$549,546$131,576$2,461,166
81 / 79—$54,000—$86,035—$86,035$11,714—$5,048—————$90,000$1,724,271$560,217$167,404$2,451,892
82 / 80—$54,000—$87,248—$87,248$11,981—$5,108—————$90,000$1,666,142$571,095$204,814$2,442,050
83 / 81—$54,000—$87,973—$87,973$12,140—$5,145—————$90,000$1,606,123$582,184$243,478$2,431,785
84 / 82—$54,000—$89,167—$89,167$12,403—$5,204—————$90,000$1,543,685$593,488$283,766$2,420,939
85 / 83—$54,000—$89,806—$89,806$12,544—$5,236—————$90,000$1,479,363$605,012$325,302$2,409,677
86 / 84—$54,000—$90,613—$90,613$12,721—$5,277—————$90,000$1,412,945$616,760$368,233$2,397,938
87 / 85—$54,000—$91,141—$91,141$12,837—$5,303—————$90,000$1,344,682$628,736$412,384$2,385,803
88 / 86—$54,000—$91,207—$91,207$12,852—$5,306—————$90,000$1,275,025$640,945$457,440$2,373,410
89 / 87—$54,000—$91,598—$91,598$12,938—$5,326—————$90,000$1,203,605$653,390$503,657$2,360,652
90 / 88—$54,000—$91,183—$91,183$12,847—$5,305—————$90,000$1,131,234$666,077$550,468$2,347,779
91 / 89—$54,000—$90,933—$90,933$12,791—$5,293—————$90,000$1,057,720$679,011$598,005$2,334,737
92 / 90—$54,000—$90,245—$90,245$12,640—$5,258—————$90,000$983,501$692,196$645,964$2,321,660
93 / 91—$30,000—$83,031—$83,031$15,221—$4,652$814————$90,814$915,416$705,636$660,850$2,281,902
94 / 92—$30,000—$82,292—$82,292$15,058—$4,615$791————$90,791$846,784$719,338$675,510$2,241,632
95 / 93—$30,000—$81,398—$81,398$14,862—$4,570—————$90,000$777,759$733,306$690,593$2,201,657
96 / 94—$30,000—$79,485—$79,485$14,441—$4,475—————$90,000$709,402$747,545$704,572$2,161,518

Age column shows you / spouse. Rows shaded red once the portfolio is depleted. All values in today's dollars (inflation-adjusted).

Not investment or tax advice. Projections are estimates based on your assumptions. About · Methodology · Terms & Privacy