Multi-year retirement scenario

See how retirement cash needs move through your accounts

Explore a deterministic, year-by-year illustration of taxable, tax-deferred, and Roth balances with explicit assumptions for spending, RMDs, estimated withdrawal tax, Medicare IRMAA, and survivor changes.

Scenario setup

Choose how much detail to enter

Input detail

Quick StartAdvanced

Quick Start uses the complete assumptions already shown in Advanced. Switching modes keeps every entered value.

Household

Just meMe and a spouse

A spouse scenario uses each person's entered ages and income. It does not infer benefit, tax, or survivor choices.

Quick Start

Start with the household basics

Household

Your current ageYour retirement ageSpouse current age

Income

Household annual employment incomeHousehold annual Social Security

Accounts

Taxable account balanceTax-deferred account balanceRoth account balance

Tax-deferred accounts generally postpone income tax until withdrawal. The tool uses the assumptions entered.

Spending

Initial annual retirement spending

Advanced timing, growth, tax, account ownership, medical, care, and survivor assumptions remain at their displayed defaults. Open Advanced to inspect or change them. The result is an educational illustration, not individualized advice.

Educational calculation

Build the year-by-year scenario

Methodology: multi-year-household-v5

Scenario result

Your retirement illustration will appear here

Enter the household basics above to see an ending balance, any unfunded spending, and the years when the modeled path changes.