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How much can you spend in retirement — and which accounts should it come from?

A dollar figure for next year, which accounts to draw it from, and every calculation behind both.

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What it answers
  • Your yearly spending — how much you can take next year, in dollars
  • Withdrawal order — which accounts to draw from, and when that should change
  • Roth conversion window — your low-tax years between retiring and RMDs
  • Social Security timing — how your claiming age changes everything downstream
  • Required minimum distributions — projected years ahead, at the right age for your birth year
  • Federal tax — by source, with your effective and marginal rate for every year
  • Guardrails — when to cut spending, and by how much
  • Five market scenarios — from near-worst to near-best, year by year
What the plan actually says
Year 1 — what they can spend
$113,000
after federal tax
All from the portfolio — Social Security not yet claimed
Draw in this order
  1. Taxable brokerage
  2. Pre-tax IRA / 401(k)
  3. Roth — last resort
Real output from the engine. See the full plan →
Historical backtest using real market cycles
Monte Carlo across tens of thousands of scenarios
Every assumption visible and editable
Disclaimer. youRetireWise is a software tool for exploring retirement withdrawal and investment strategies. It does not constitute financial, investment, tax, or legal advice. youRetireWise is not an investment adviser registered with the U.S. Securities and Exchange Commission or any state securities agency, and is not a broker-dealer. All projections are estimates based on the inputs you provide and on historical or simulated market data — they are not guarantees of future results. Please consult a licensed financial advisor before acting on any projection.

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