MC Success Rate
--%
Nest Egg @ Ret
$0
Final NW @ 95
$0
Initial SWR
0.00%
Adjust SWR Targets
Net Worth Trajectory
Projected deterministic account balances over time. Displaying in Today's Real $.
Cash Flow (Contributions vs Withdrawals)
Green indicates positive additions, red indicates portfolio drawdowns needed to meet target spend and taxes.
Events & Plans
Manage custom cash flows, Social Security claiming, 72(t) SEPP schedules, and Roth conversion ladders.
Active Withdrawal Strategy
Configure how retirement cash withdrawals dynamically respond to market fluctuations, inflation, and longevity.
Guyton-Klinger Guardrails
Adjusts baseline withdrawals dynamically based on market performance with capital preservation cuts and prosperity bonuses.
Min Spending
$0
Max Spending
$0
Average SWR
0.00%
Tax Bracket Estimates
Evaluating Optimal Tax Strategy...
Multi-year horizon scanning accounts for RMD brackets, ACA cliffs, IRMAA thresholds, and SECURE 2.0 heir tax rules.
After-Tax Estate Wealth Gain
+$0
Includes step-up in basis & 10-year heir discount
Lifetime Tax Difference
$0
Prepaying low bracket tax vs. future RMD taxes
Tax Arbitrage Spread
0.0%
Future RMD rate minus early retirement rate
Scanning candidates...
Strategy Comparison & Ranking
Ranked by After-Tax Estate Wealth to Heirs| Strategy | Ceiling / Mode | After-Tax Estate Value | Lifetime Taxes Paid | Shortfall Risk | Action |
|---|
Estate Wealth vs. Lifetime Taxes Trade-Off
Compares terminal after-tax wealth passed to heirs (green) against total lifetime taxes paid (red).
Correlated Monte Carlo (1,000 Runs)
Samples volatility, inflation shocks, and regime switching based on your input parameters.
Outcomes & Risk
Success Rate
--%
Principal Preserved
--%
Median Final NW
$0
Bear Case (10th %)
$0
Max Drawdown
--%
Historical Sequence of Returns
Injects real historical market shocks precisely at the start of your retirement.
Data Audit Table
| Age | Phase | Taxable | Tax-Deferred | Roth | Cash | Total NW | Gross Draw | Events (+/-) | Roth Converted | Net Portfolio Spend | Taxes Paid | Unpaid Tax Deficit | Spend Delivery % | Cliffs & Alerts |
|---|
Add Life Event
Social Security Estimator
Roth Conversion Ladder Wizard
How the Roth Ladder Works:
Converts pre-tax funds into your Roth account during lower-bracket gap years before RMDs begin. Converted funds become accessible 100% tax- and penalty-free after a 5-year seasoning period (Treas. Reg. §1.408A-6).
IRC §72(t) SEPP Distribution Wizard
Statutory Rule (IRC §72(t)(4)): Once initiated, payments must continue without modification for 5 full years or until age 59½, whichever is longer. Modifications trigger retroactive 10% penalties plus interest back to Year 1.