Retirement

401k · inheritance · retirement plan · year-by-year
401k — Accumulation
Your Info
current age
current balance ($)
annual salary ($)
Contributions
Annual
Monthly
employee contrib %
annual contrib—
Employer Match
on
match cap %
annual match—
total annual—
Growth
pre-retirement growth
Inheritance
off
Inheritance Details
amount ($)
age received
years to grow—
future value at retirement—
Growth Rate
Follow 401k
Custom Rate
Retirement Plan
Timing & Portfolio
retirement age
starting portfolio ($M)
auto-set from accumulation
target balance at 80
Investment
retirement growth rate
inflation rate
Social Security
combined SS / yr
SS start age
Taxes
effective tax rate
Monthly Expenses (today's $)
housing / mo (w/ mortgage)
mortgage ends at age (0 = never)
healthcare / mo (pre-65)
healthcare / mo (65+ Medicare)
Sequence of Returns Risk
show bad sequence scenario
Yrs 1–5: rate−5% | Yrs 6–15: rate | Yrs 16+: rate+2%.
Same nominal withdrawal.
401k accumulation: age 35 → 55 (20 years)
projected at retirement
—
—
total contributions
—
—
investment growth
—
return on contributions
Accumulation — Portfolio Growth to Retirement
projected balance annual contrib
Accumulation chart.
Starting Retirement Portfolio
—
projected
Drag the starting portfolio slider to override.
—
Retirement plan: age 55 → 80 (25 years) — contributions stop
total annual draw
—
gross, before tax
after-tax draw
—
—
portfolio draw (pre-SS)
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—
balance at 80
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Annual Discretionary Spending — Today's Dollars (after tax, housing & healthcare)
at retirement (pre-SS)
—
today's purchasing power
after SS starts
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today's purchasing power
after Medicare (65+)
—
lower HC cost kicks in
real spending power at 79
—
last year, today's dollars
Retirement Drawdown
balance (base) portfolio withdrawal
Retirement drawdown chart.
Year-by-Year Schedule
nominal · real discretionary = today's purchasing power
ageopening balgrowthcontrib / draw SSgross spendafter-tax housinghealthcareother contribs nom. discret.real discret.closing bal