Retirement Planner — Growth Chart & Withdrawal Summary

1 Inputs

Current amount and expected annual return for each category. Use Return overrides to change the rate for specific years, and Remove to see the plan without a category.

Total current assets $0

2 Assumptions

Years to retirement Retirement age Retirement income to live each year $ Total yearly withdrawal from all categories, including pension income.

Required minimum distributions (RMD) Also apply RMDs to the Roth account Under current law, Roth IRAs and Roth 401(k)s have no RMDs during the owner's lifetime. Turn this on only to model a stricter case.

Ordinary income tax rate % Applied to tax-deferred withdrawals and pension income.

Capital gains tax rate % Applied only to growth above your starting amount in taxable accounts.

Tax-free accounts (Roth, IUL) are assumed to have 0% tax on qualified withdrawals. This is a simplified planning estimate, not tax advice.

3 Projected balance by category

Show total line

Tip: click any line to see which category it is.

Line style: taxable tax-deferred tax-free year with a return override IUL held at 0% (stocks negative)

4 Withdrawals after retirement

Adjust for inflation % / yr

5 Balance at retirement summary

Year-by-year table

Start-of-year balances in $K and $M, through age 120. Real estate shows equity (value minus loan), after withdrawals. Highlighted rows mark retirement and pension start. Underlined values use a return override; green values are IUL held at 0%.