Sample Plan

A retirement plan, worked all the way through

Every number below is real output from youRetireWise — the same engine, the same three-tab layout (Insights, Strategy, Details) you'd see signed into the app, laid out here as one page.

Michael and Sarah are a fictional household — we chose their numbers to illustrate the tool. Everything past that point is calculated, not written.

Build my own plan — free for 30 days, no card

Michael & Sarah

Michael, 65, just retired. Sarah, 62, just retired. $2.5 million across their accounts — $1.95M pre-tax (IRA/401k), $450k in a taxable brokerage account with $180k of cost basis, $100k in a Roth. They want to spend $110,000 a year after federal tax. Neither has claimed Social Security yet: Michael’s starts at 67, Sarah’s at 70. Allocation: 60% US stocks / 40% bonds, shifting to 25/75 in the no-go phase. Roth conversion active at the 22% bracket, $20k/year, from age 65 to 74 — the year before Michael’s first required distribution at 75.

Tab 1 of 3

Insights

The two scores that can genuinely fail, a depletion timeline, and the full range of outcomes for the portfolio balance.

This plan projects 30 years against real market history.

Wealth Preservation

Will their money last?

100 %

Strong

If it runs out — when? —

✓ No outcome ran out of money

65758595

No simulated outcome exhausted the portfolio within the horizon.

SpendingWill their spending be met?

49.3%

Full budget met in 49.3% of historical starts At risk

They can spend $113,455 a year. In the outcomes where that didn’t hold, spending fell short by about $6,197 for around 1 year, typically starting around age 66. (35 of 69 starts.)

Portfolio balancethe range across all historical starts

middle 80% middle 50% median

65707580859095

The shaded range covers the middle 80%. Outcomes that ran out sit below it. The line is the halfway point, not any one retirement.

Tab 2 of 3

Strategy

Built from “If you had retired in 1981” — one real, internally consistent simulation, not a per-year average. Bars share one scale across all five years, so a bigger bar really does mean more money drawn that year.

Their Strategy

What produces the numbers below — stays the same however markets perform.

Guaranteed Income

Michael claims Social Security at 67 — $35,000/year

Sarah claims Social Security at 70 — $30,000/year

Withdrawal Strategy

Portfolio Percentage — 4.4% of the balance each year

Account Sequence — Traditional

1 Taxable brokerage $180,000 basis

2 Pre-Tax IRA / 401(k) RMDs from 75

3 Roth last resort

Tax

Federal income tax is calculated each year from ordinary income and capital-gains brackets. Withdrawals, required distributions, and Roth conversions all count as taxable income; qualified Roth withdrawals don’t. State tax is not modeled.

A bracket-fill Roth conversion runs each eligible year — their setting: fill to 22%.

The cards below show what this strategy produced in “If you had retired in 1981” — a different market or a change in their situation would change these numbers, not the strategy above.

Social Security Taxable brokerage Pre-tax IRA / 401(k) Roth

2027 ages 66 / 63 $113,455 to spend, after federal tax

Taxable $153,294

Drawn $153,294 | Federal tax $39,839 |Bracket-fill conversion $196,793 their setting: fill to 22%

Neither has claimed Social Security yet, and the Roth conversion window is active.

2028 ages 67 / 64 Michael claims Social Security at 67 $130,183 to spend, after federal tax

$11,958

Taxable $161,713

Drawn $173,671 | Federal tax $43,488 |Bracket-fill conversion $204,062 their setting: fill to 22%

2029 ages 68 / 65 Sarah turns 65 — Medicare begins $153,096 to spend, after federal tax

Social Security $36,772

Taxable $167,669

Drawn $204,441 | Federal tax $51,345 |Bracket-fill conversion $211,062 their setting: fill to 22%

2030 ages 69 / 66 Taxable brokerage exhausted $149,386 to spend, after federal tax

Social Security $37,691

$15,472

Pre-tax $135,940

Drawn $189,103 | Federal tax $39,717 |Bracket-fill conversion $94,538 their setting: fill to 22%

Pre-tax IRA / 401(k) carries the largest remaining balance that year; Sarah's Social Security claim at 70 is next.

2031 ages 70 / 67 $153,050 to spend, after federal tax

Social Security $38,633

Pre-tax $153,570

Drawn $192,203 | Federal tax $39,153 |Bracket-fill conversion $83,399 their setting: fill to 22%

Tab 3 of 3

Details

Three specific, real historical starting years, each a complete 30-year sequence of actual market returns — named by the year they started, not by rank. “1981” is the real year that came closest to the middle, judged by how low the portfolio balance ever got. Median is open by default; expand the others to compare.

If you had retired in 1966The toughest of the real years

low point $944,980 at age 95

Every row is one real year from that historical start. The numbers add up down the page.

Summary

Year	Ages	What You Can Spend	Social Security	Total Balance
2027	66 / 63	$113,455	—	$2,233,510
2028	67 / 64	$125,399	$11,958	$2,362,486
2029	68 / 65	$144,877	$36,772	$2,376,992
2030	69 / 66	$134,483	$37,691	$2,084,023
2031	70 / 67	$138,817	$38,633	$2,114,615
2032	71 / 68	$142,703	$39,599	$2,214,848
2033	72 / 69	$144,467	$40,589	$2,324,143
2034	73 / 70	$171,798	$71,321	$2,025,221
2035	74 / 71	$184,879	$79,196	$1,599,498
2036	75 / 72	$200,354	$81,176	$1,799,481
2037	76 / 73	$210,518	$83,206	$1,995,257
2038	77 / 74	$237,670	$85,286	$1,773,360
2039	78 / 75	$245,948	$87,418	$1,671,251
2040	79 / 76	$258,110	$89,604	$1,672,255
2041	80 / 77	$277,978	$91,844	$1,749,878
2042	81 / 78	$298,335	$94,140	$1,551,247
2043	82 / 79	$313,347	$96,493	$1,671,675
2044	83 / 80	$318,435	$98,905	$1,663,926
2045	84 / 81	$323,533	$101,377	$1,572,711
2046	85 / 82	$329,067	$103,912	$1,737,377
2047	86 / 83	$334,375	$106,510	$1,822,071
2048	87 / 84	$333,781	$109,173	$1,619,859
2049	88 / 85	$340,607	$111,903	$1,573,564
2050	89 / 86	$347,541	$114,700	$1,687,488
2051	90 / 87	$355,137	$117,567	$1,458,037
2052	91 / 88	$366,282	$120,507	$1,503,666
2053	92 / 89	$370,493	$123,519	$1,358,962
2054	93 / 90	$374,391	$126,607	$1,239,697
2055	94 / 91	$378,001	$129,772	$966,502
2056	95 / 92	$381,513	$133,016	$944,980

Income & Withdrawals

Year	Social Security	Taxable W/D	Pre-tax W/D	Roth W/D	Roth Conv.	RMD
2027	—	$153,294	—	—	$196,793	—
2028	$11,958	$155,905	—	—	$204,297	—
2029	$36,772	$151,916	$6,084	—	$211,482	—
2030	$37,691	—	$134,950	—	$96,058	—
2031	$38,633	—	$139,298	—	$97,497	—
2032	$39,599	—	$143,198	—	$99,522	—
2033	$40,589	—	$144,969	—	$103,797	—
2034	$71,321	—	$141,277	—	$82,455	—
2035	$79,196	—	$146,906	—	$74,527	—
2036	$81,176	—	$135,176	—	—	$7,771
2037	$83,206	—	$130,408	$14,494	—	$4,139
2038	$85,286	—	—	$152,384	—	—
2039	$87,418	—	—	$158,530	—	—
2040	$89,604	—	—	$168,506	—	—
2041	$91,844	—	—	$186,134	—	—
2042	$94,140	—	—	$204,195	—	—
2043	$96,493	—	—	$216,854	—	—
2044	$98,905	—	—	$219,530	—	—
2045	$101,377	—	—	$222,156	—	—
2046	$103,912	—	—	$225,155	—	—
2047	$106,510	—	—	$227,865	—	—
2048	$109,173	—	—	$224,608	—	—
2049	$111,903	—	—	$228,704	—	—
2050	$114,700	—	—	$232,841	—	—
2051	$117,567	—	—	$237,570	—	—
2052	$120,507	—	—	$245,775	—	—
2053	$123,519	—	—	$246,974	—	—
2054	$126,607	—	—	$247,784	—	—
2055	$129,772	—	—	$248,229	—	—
2056	$133,016	—	—	$248,497	—	—

Portfolio Balances

Year	Taxable	Pre-tax	Roth	Total
2027	$284,329	$1,666,985	$282,196	$2,233,510
2028	$149,230	$1,660,853	$552,403	$2,362,486
2029	—	$1,554,334	$822,658	$2,376,992
2030	—	$1,230,058	$853,965	$2,084,023
2031	—	$1,080,034	$1,034,581	$2,114,615
2032	—	$940,706	$1,274,142	$2,214,848
2033	—	$776,938	$1,547,205	$2,324,143
2034	—	$513,254	$1,511,967	$2,025,221
2035	—	$248,503	$1,350,995	$1,599,498
2036	—	$130,408	$1,669,073	$1,799,481
2037	—	—	$1,995,257	$1,995,257
2038	—	—	$1,773,360	$1,773,360
2039	—	—	$1,671,251	$1,671,251
2040	—	—	$1,672,255	$1,672,255
2041	—	—	$1,749,878	$1,749,878
2042	—	—	$1,551,247	$1,551,247
2043	—	—	$1,671,675	$1,671,675
2044	—	—	$1,663,926	$1,663,926
2045	—	—	$1,572,711	$1,572,711
2046	—	—	$1,737,377	$1,737,377
2047	—	—	$1,822,071	$1,822,071
2048	—	—	$1,619,859	$1,619,859
2049	—	—	$1,573,564	$1,573,564
2050	—	—	$1,687,488	$1,687,488
2051	—	—	$1,458,037	$1,458,037
2052	—	—	$1,503,666	$1,503,666
2053	—	—	$1,358,962	$1,358,962
2054	—	—	$1,239,697	$1,239,697
2055	—	—	$966,502	$966,502
2056	—	—	$944,980	$944,980

Federal Tax

Year	Federal Tax	Eff. Rate	Marginal Rate
2027	$39,839	13.6%	22.0%
2028	$42,465	13.9%	22.0%
2029	$49,896	14.5%	22.0%
2030	$38,158	14.5%	22.0%
2031	$39,115	14.5%	22.0%
2032	$40,094	14.5%	22.0%
2033	$41,091	14.5%	22.0%
2034	$40,800	14.3%	22.0%
2035	$41,223	14.3%	22.0%
2036	$23,768	11.2%	22.0%
2037	$21,729	10.6%	22.0%
2038	—	—	—
2039	—	—	—
2040	—	—	—
2041	—	—	—
2042	—	—	—
2043	—	—	—
2044	—	—	—
2045	—	—	—
2046	—	—	—
2047	—	—	—
2048	—	—	—
2049	—	—	—
2050	—	—	—
2051	—	—	—
2052	—	—	—
2053	—	—	—
2054	—	—	—
2055	—	—	—
2056	—	—	—

If you had retired in 1981Middle of the road, year after year

low point $2,357,796 at age 66

Every row is one real year from that historical start. The numbers add up down the page.

Summary

Year	Ages	What You Can Spend	Social Security	Total Balance
2027	66 / 63	$113,455	—	$2,357,796
2028	67 / 64	$130,183	$11,958	$2,755,344
2029	68 / 65	$153,096	$36,772	$2,968,489
2030	69 / 66	$149,386	$37,691	$3,073,224
2031	70 / 67	$153,050	$38,633	$3,764,252
2032	71 / 68	$169,814	$39,599	$4,338,018
2033	72 / 69	$185,074	$40,589	$4,210,548
2034	73 / 70	$222,697	$71,321	$4,545,106
2035	74 / 71	$241,798	$79,196	$5,463,918
2036	75 / 72	$268,417	$81,176	$5,263,021
2037	76 / 73	$276,840	$83,206	$6,232,741
2038	77 / 74	$303,681	$85,286	$6,447,988
2039	78 / 75	$316,564	$87,418	$6,877,237
2040	79 / 76	$333,442	$89,604	$6,409,089
2041	80 / 77	$336,277	$91,844	$8,036,444
2042	81 / 78	$368,379	$94,140	$8,778,190
2043	82 / 79	$404,965	$96,493	$10,383,863
2044	83 / 80	$442,601	$98,905	$12,227,934
2045	84 / 81	$484,118	$101,377	$12,817,751
2046	85 / 82	$534,590	$103,912	$12,412,863
2047	86 / 83	$540,916	$106,510	$11,271,947
2048	87 / 84	$540,117	$109,173	$9,982,984
2049	88 / 85	$655,385	$111,903	$11,050,637
2050	89 / 86	$654,554	$114,700	$11,366,361
2051	90 / 87	$661,061	$117,567	$11,249,937
2052	91 / 88	$668,513	$120,507	$11,777,474
2053	92 / 89	$671,400	$123,519	$12,046,209
2054	93 / 90	$682,592	$126,607	$9,882,741
2055	94 / 91	$672,353	$129,772	$10,369,072
2056	95 / 92	$676,429	$133,016	$11,022,031

Income & Withdrawals

Year	Social Security	Taxable W/D	Pre-tax W/D	Roth W/D	Roth Conv.	RMD
2027	—	$153,294	—	—	$196,793	—
2028	$11,958	$161,713	—	—	$204,062	—
2029	$36,772	$167,669	—	—	$211,062	—
2030	$37,691	$15,472	$135,940	—	$94,538	—
2031	$38,633	—	$153,570	—	$83,399	—
2032	$39,599	—	$170,382	—	$72,669	—
2033	$40,589	—	$185,685	—	$63,576	—
2034	$71,321	—	$192,313	—	$32,040	—
2035	$79,196	—	$203,978	—	$18,151	—
2036	$81,176	—	$155,171	—	—	$75,035
2037	$83,206	—	$168,085	—	—	$70,072
2038	$85,286	—	$190,773	—	—	$79,227
2039	$87,418	—	$181,347	—	—	$102,364
2040	$89,604	—	$198,241	—	—	$104,357
2041	$91,844	—	$211,066	—	—	$91,859
2042	$94,140	—	$235,742	—	—	$105,934
2043	$96,493	—	$280,096	—	—	$106,144
2044	$98,905	—	$320,992	—	—	$111,105
2045	$101,377	—	$370,055	—	—	$112,913
2046	$103,912	—	$447,972	—	—	$97,556
2047	$106,510	—	$481,172	—	—	$68,732
2048	$109,173	—	$509,431	$1,047	—	$33,997
2049	$111,903	—	—	$543,482	—	—
2050	$114,700	—	—	$539,854	—	—
2051	$117,567	—	—	$543,494	—	—
2052	$120,507	—	—	$548,006	—	—
2053	$123,519	—	—	$547,881	—	—
2054	$126,607	—	—	$555,985	—	—
2055	$129,772	—	—	$542,581	—	—
2056	$133,016	—	—	$543,413	—	—

Portfolio Balances

Year	Taxable	Pre-tax	Roth	Total
2027	$300,416	$1,759,519	$297,861	$2,357,796
2028	$177,941	$1,948,614	$628,789	$2,755,344
2029	$15,198	$1,990,956	$962,335	$2,968,489
2030	—	$1,920,365	$1,152,859	$3,073,224
2031	—	$2,170,369	$1,593,883	$3,764,252
2032	—	$2,326,389	$2,011,629	$4,338,018
2033	—	$2,106,249	$2,104,299	$4,210,548
2034	—	$2,128,649	$2,416,457	$4,545,106
2035	—	$2,399,623	$3,064,295	$5,463,918
2036	—	$2,181,566	$3,081,455	$5,263,021
2037	—	$2,410,566	$3,822,175	$6,232,741
2038	—	$2,314,765	$4,133,223	$6,447,988
2039	—	$2,265,965	$4,611,272	$6,877,237
2040	—	$1,913,929	$4,495,160	$6,409,089
2041	—	$2,120,274	$5,916,170	$8,036,444
2042	—	$2,029,024	$6,749,166	$8,778,190
2043	—	$2,032,715	$8,351,148	$10,383,863
2044	—	$1,966,711	$10,261,223	$12,227,934
2045	—	$1,619,268	$11,198,483	$12,817,751
2046	—	$1,086,045	$11,326,818	$12,412,863
2047	—	$509,431	$10,762,516	$11,271,947
2048	—	—	$9,982,984	$9,982,984
2049	—	—	$11,050,637	$11,050,637
2050	—	—	$11,366,361	$11,366,361
2051	—	—	$11,249,937	$11,249,937
2052	—	—	$11,777,474	$11,777,474
2053	—	—	$12,046,209	$12,046,209
2054	—	—	$9,882,741	$9,882,741
2055	—	—	$10,369,072	$10,369,072
2056	—	—	$11,022,031	$11,022,031

Federal Tax

Year	Federal Tax	Eff. Rate	Marginal Rate
2027	$39,839	13.6%	22.0%
2028	$43,488	13.9%	22.0%
2029	$51,345	14.4%	22.0%
2030	$39,717	14.5%	22.0%
2031	$39,153	14.5%	22.0%
2032	$40,166	14.5%	22.0%
2033	$41,200	14.5%	22.0%
2034	$40,937	14.4%	22.0%
2035	$41,376	14.3%	22.0%
2036	$42,966	14.4%	22.0%
2037	$44,523	14.4%	22.0%
2038	$51,605	15.1%	24.0%
2039	$54,566	15.2%	24.0%
2040	$58,761	15.5%	24.0%
2041	$58,492	15.3%	24.0%
2042	$67,437	16.0%	24.0%
2043	$77,768	16.6%	24.0%
2044	$88,401	17.1%	24.0%
2045	$100,227	17.6%	24.0%
2046	$114,849	18.1%	24.0%
2047	$115,498	18.0%	24.0%
2048	$113,532	17.8%	24.0%
2049	—	—	—
2050	—	—	—
2051	—	—	—
2052	—	—	—
2053	—	—	—
2054	—	—	—
2055	—	—	—
2056	—	—	—

If you had retired in 1996The strongest of the real years

low point $2,500,000 at age 65

Every row is one real year from that historical start. The numbers add up down the page.

Summary

Year	Ages	What You Can Spend	Social Security	Total Balance
2027	66 / 63	$113,455	—	$2,680,876
2028	67 / 64	$129,970	$11,958	$3,120,150
2029	68 / 65	$161,701	$36,772	$3,618,849
2030	69 / 66	$166,356	$37,691	$3,761,064
2031	70 / 67	$177,845	$38,633	$3,623,689
2032	71 / 68	$179,990	$39,599	$3,271,569
2033	72 / 69	$179,724	$40,589	$2,867,628
2034	73 / 70	$205,986	$71,321	$3,151,553
2035	74 / 71	$212,125	$79,196	$3,219,683
2036	75 / 72	$217,454	$81,176	$3,175,356
2037	76 / 73	$220,744	$83,206	$3,311,534
2038	77 / 74	$222,991	$85,286	$3,374,062
2039	78 / 75	$227,242	$87,418	$2,756,967
2040	79 / 76	$226,463	$89,604	$2,877,950
2041	80 / 77	$229,112	$91,844	$3,043,453
2042	81 / 78	$230,286	$94,140	$3,098,537
2043	82 / 79	$233,356	$96,493	$3,246,507
2044	83 / 80	$234,971	$98,905	$3,563,632
2045	84 / 81	$236,365	$101,377	$3,821,828
2046	85 / 82	$247,570	$103,912	$3,707,947
2047	86 / 83	$271,662	$106,510	$3,799,222
2048	87 / 84	$276,339	$109,173	$4,140,036
2049	88 / 85	$294,065	$111,903	$3,853,149
2050	89 / 86	$295,700	$114,700	$4,497,721
2051	90 / 87	$315,467	$117,567	$4,955,286
2052	91 / 88	$338,540	$120,507	$5,457,979
2053	92 / 89	$363,670	$123,519	$4,275,697
2054	93 / 90	$375,867	$126,607	$4,714,475
2055	94 / 91	$380,947	$129,772	$5,095,839
2056	95 / 92	$384,985	$133,016	$5,506,899

Income & Withdrawals

Year	Social Security	Taxable W/D	Pre-tax W/D	Roth W/D	Roth Conv.	RMD
2027	—	$153,294	—	—	$196,793	—
2028	$11,958	$162,718	—	—	$203,451	—
2029	$36,772	$178,241	—	—	$210,355	—
2030	$37,691	$64,390	$109,318	—	$119,128	—
2031	$38,633	—	$178,432	—	$58,840	—
2032	$39,599	—	$180,584	—	$62,591	—
2033	$40,589	—	$180,320	—	$68,876	—
2034	$71,321	—	$175,557	—	$48,593	—
2035	$79,196	—	$174,225	—	$47,541	—
2036	$81,176	—	$120,798	—	—	$44,072
2037	$83,206	—	$124,697	—	—	$41,542
2038	$85,286	—	$125,444	—	—	$40,757
2039	$87,418	—	$117,689	—	—	$50,970
2040	$89,604	—	$125,618	—	—	$38,975
2041	$91,844	—	$128,523	—	—	$36,322
2042	$94,140	—	$129,952	—	—	$33,176
2043	$96,493	—	$135,574	—	—	$28,188
2044	$98,905	—	$139,767	—	—	$22,680
2045	$101,377	—	$144,015	—	—	$16,750
2046	$103,912	—	$147,197	$12,099	—	$8,864
2047	$106,510	—	—	$165,152	—	—
2048	$109,173	—	—	$167,166	—	—
2049	$111,903	—	—	$182,162	—	—
2050	$114,700	—	—	$181,000	—	—
2051	$117,567	—	—	$197,900	—	—
2052	$120,507	—	—	$218,033	—	—
2053	$123,519	—	—	$240,151	—	—
2054	$126,607	—	—	$249,260	—	—
2055	$129,772	—	—	$251,175	—	—
2056	$133,016	—	—	$251,969	—	—

Portfolio Balances

Year	Taxable	Pre-tax	Roth	Total
2027	$342,236	$2,000,059	$338,581	$2,680,876
2028	$226,409	$2,223,051	$670,690	$3,120,150
2029	$63,251	$2,473,041	$1,082,557	$3,618,849
2030	—	$2,449,617	$1,311,447	$3,761,064
2031	—	$2,237,699	$1,385,990	$3,623,689
2032	—	$1,895,157	$1,376,412	$3,271,569
2033	—	$1,526,892	$1,340,736	$2,867,628
2034	—	$1,525,094	$1,626,459	$3,151,553
2035	—	$1,409,419	$1,810,264	$3,219,683
2036	—	$1,293,659	$1,881,697	$3,175,356
2037	—	$1,240,726	$2,070,808	$3,311,534
2038	—	$1,152,665	$2,221,397	$3,374,062
2039	—	$846,343	$1,910,624	$2,756,967
2040	—	$756,852	$2,121,098	$2,877,950
2041	—	$664,090	$2,379,363	$3,043,453
2042	—	$538,914	$2,559,623	$3,098,537
2043	—	$415,001	$2,831,506	$3,246,507
2044	—	$291,826	$3,271,806	$3,563,632
2045	—	$147,197	$3,674,631	$3,821,828
2046	—	—	$3,707,947	$3,707,947
2047	—	—	$3,799,222	$3,799,222
2048	—	—	$4,140,036	$4,140,036
2049	—	—	$3,853,149	$3,853,149
2050	—	—	$4,497,721	$4,497,721
2051	—	—	$4,955,286	$4,955,286
2052	—	—	$5,457,979	$5,457,979
2053	—	—	$4,275,697	$4,275,697
2054	—	—	$4,714,475	$4,714,475
2055	—	—	$5,095,839	$5,095,839
2056	—	—	$5,506,899	$5,506,899

Federal Tax

Year	Federal Tax	Eff. Rate	Marginal Rate
2027	$39,839	13.6%	22.0%
2028	$44,706	13.9%	22.0%
2029	$53,312	14.4%	22.0%
2030	$45,043	14.6%	22.0%
2031	$39,219	14.5%	22.0%
2032	$40,194	14.5%	22.0%
2033	$41,186	14.5%	22.0%
2034	$40,892	14.4%	22.0%
2035	$41,296	14.3%	22.0%
2036	$28,592	12.2%	22.0%
2037	$28,701	12.1%	22.0%
2038	$28,496	11.9%	22.0%
2039	$28,835	11.9%	22.0%
2040	$27,734	11.5%	22.0%
2041	$27,577	11.3%	22.0%
2042	$26,982	11.1%	22.0%
2043	$26,899	10.9%	22.0%
2044	$26,381	10.7%	22.0%
2045	$25,777	10.4%	22.0%
2046	$24,503	10.0%	22.0%
2047	—	—	—
2048	—	—	—
2049	—	—	—
2050	—	—	—
2051	—	—	—
2052	—	—	—
2053	—	—	—
2054	—	—	—
2055	—	—	—
2056	—	—	—

Low point is the smallest the portfolio ever gets.

How are these three picked?

The toughest real year. The real historical start where the portfolio came closest to running dry, ranked by how low the balance got — not by where it ended.

A typical real year. The real historical start closest to the middle, ranked the same way — by how low the balance got, not by where it ended.

The strongest real year. The real historical start where the balance never got low — better on that measure than most of the other real years.

The percentages on Insights come from all outcomes, not from this one.

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. · Privacy Policy · Terms of Use

Generated from youRetireWise on 2026-08-24 using the profile in docs/sample-plan-profile.json.

A retirement plan, worked all the way through

Michael & Sarah

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