This tool is designed to explore retirement as a stable income system rather than a year-by-year optimization exercise. It models a fixed portfolio withdrawal policy alongside external income such as Social Security, allowing you to see how those income sources combine to produce a sustainable annual “salary” over time. The goal is not to predict markets or minimize withdrawals, but to test whether a chosen income policy supports real-world spending needs while maintaining long-term portfolio health.
Current Portfolio Value (as of Jan 23, 2026): $1,375,054
Projected Starting Balance (Jan 1, 2027): $1,482,401
Social Security Start Year: 2027
Estimated Social Security Income (first year): $56,825
Estimated Annual COLA: 2.80%
Annual Return Rate: 8.00%
Compounding: Daily (Vanguard-style)
First Year Withdrawal: $50,000
Withdrawal Rate: 4.00%
| Year | Start Balance | Withdrawal (Jan 1) | Social Security Income | Total Pre-Tax Income | Surplus / (Shortfall) | Balance After Withdrawal | End Balance |
|---|---|---|---|---|---|---|---|
| 2027 | $1,482,401 | $50,000 | $56,825 | $106,825 | $ 185 | $1,432,401 | $1,551,688 |
| 2028 | $1,551,688 | $62,068 | $58,416 | $120,484 | $ 13,843 | $1,489,620 | $1,613,672 |
| 2029 | $1,613,672 | $64,547 | $60,052 | $124,599 | $ 17,958 | $1,549,125 | $1,678,132 |
| 2030 | $1,678,132 | $67,125 | $61,733 | $128,858 | $ 22,218 | $1,611,007 | $1,745,168 |
| 2031 | $1,745,168 | $69,807 | $63,462 | $133,268 | $ 26,628 | $1,675,361 | $1,814,881 |
| 2032 | $1,814,881 | $72,595 | $65,239 | $137,834 | $ 31,194 | $1,742,286 | $1,887,379 |
| 2033 | $1,887,379 | $75,495 | $67,065 | $142,561 | $ 35,920 | $1,811,884 | $1,962,773 |
| 2034 | $1,962,773 | $78,511 | $68,943 | $147,454 | $ 40,814 | $1,884,263 | $2,041,179 |
| 2035 | $2,041,179 | $81,647 | $70,874 | $152,521 | $ 45,880 | $1,959,532 | $2,122,717 |
| 2036 | $2,122,717 | $84,909 | $72,858 | $157,767 | $ 51,126 | $2,037,809 | $2,207,512 |