$198K/yr · real, after tax
Your household retirement plan
One plan. One retirement answer.
See what you can spend, what could go wrong, and what deserves attention—all from the same versioned household calculation.
Illustrative retirement decision dashboard
Can I retire?
Start with the conditional answer, then see one practical retirement paycheck and the scenarios that could change it.
Illustrative answerThis is how the sample household answers the retirement question.
Yes in Expected and Conservative—but not in Stress. Replace the sample inputs to create an answer for your household.
What can we spend?
Your retirement paycheck
Every figure below uses the same modeled year: 2026, at age 59, in the Expected scenario.
$150K/yr · real, after tax
Reliable-income coverage: 16% · $126K annual gap after reliable income$48K/yr · real, after tax
$24K/yr · real, after tax
$60K/yr · real, pre-tax
$26K/yr · real estimate
Portfolio withdrawals are shown before tax; spendable, essential, flexible, and reliable-income amounts are shown after tax. They should not be added together as if they used the same tax basis.
Withdrawal sequenceCash → taxable → traditional → Roth → HSAApplied account by account after required distributions
First modeled RMDAge 75Owner age and birth cohort determine the start
Medicare income surcharges$5KLifetime Part B + Part D IRMAA · real estimate
Survivor transitionNear age 101Single filing status and survivor income rules
What could go wrong?
Expected, Conservative, and Stress
Deterministic scenarios make the tradeoffs inspectable. They are not probabilities or promises.
Expected scenario
Entered assumptions with a steady long-run return.
Result at age 101$7MEstate in today’s dollars after liabilities
6.0% nominal return2.5% inflation1.00× spending load1.00× income factor
| Year / age | After-tax spending | Reliable income | Pre-tax withdrawal | Taxes | Ending portfolio |
|---|---|---|---|---|---|
| 2026Age 59 · joint filing | $198KReal · after tax | $24KReal · after tax | $60Kcash · real, pre-tax | $26KReal federal + state estimate | $4MReal · pre-tax |
| 2035Age 68 · joint filing | $173KReal · after tax | $97KReal · after tax | $85Ktaxable · real, pre-tax | $20KReal federal + state estimate | $4MReal · pre-tax |
| 2042Age 75 · joint filing | $147KReal · after tax | $94KReal · after tax | $91Ktraditional / RMD · real, pre-tax | $31KReal federal + state estimate | $4MReal · pre-tax |
| 2052Age 85 · joint filing | $146KReal · after tax | $91KReal · after tax | $116Ktraditional / RMD · real, pre-tax | $36KReal federal + state estimate | $5MReal · pre-tax |
| 2068Age 101 · single filing · survivor transition | $113KReal · after tax | $47KReal · after tax | $93Ktaxable + traditional / RMD · real, pre-tax | $27K+ $5K Medicare surcharge | $7MReal · pre-tax |
Top risks
What deserves attention?
Early-retirement stress
The stress path creates $2.7M of after-tax lifetime shortfall beginning near age 74.
Medicare income thresholds
$4.6K of estimated lifetime Part B and Part D income-related surcharges are included in today’s dollars.
Survivor transition
The household shifts to a single filing status and 75% of shared spending near primary age 101.
Top actions
What should I do?
Test a spending or timing adjustment
Use the stress result to compare a targeted discretionary reduction or later retirement date.
Review assumptions annually
Reconfirm spending, benefits, taxes, healthcare, and return assumptions—or after a material life change.
What changed
No reviewed baseline exists yet. Save this result so later updates can report only changes that affect the plan.
See value labels and methodology version
Primary view: real, after-tax spending in today’s dollars. Portfolio balances and withdrawals are labeled pre-tax. Nominal values are calculated every year before being converted back to today’s dollars.
Tax estimate: 2026 federal brackets and standard deductions, an editable state planning rate, account-level gain and ordinary-income treatment, RMDs, Roth conversions, and Medicare IRMAA. It remains an educational projection—not a tax return or tax advice.
What changed: No reviewed baseline exists yet. Save this result so later updates can report only changes that affect the plan.
Engine: lifetime-cash-flow/2.1.0 · Tax model: us-tax-planning/2026.1. Calculations are deterministic and reproducible from the saved inputs.
PortfolioYou Plus
Compare retirement strategies
Plus keeps advanced tax-aware comparisons and alternative lifetime scenarios separate from the free core plan.
PortfolioYou Plus
Review and compare plan versions
Plus saves reviewed baselines so Calm Check compares against a plan you deliberately approved—not merely the last page you opened.
Visible assumptions
Returns, taxes, and drawdown policy.
Every change recalculates Expected, Conservative, and Stress immediately. The model keeps these policy choices outside the interface calculation code.
Market baseline
Tax calculation
Withdrawal policy
Required and survivor transitions
Plan inputs
Inspect and update the source facts.
Enter each fact once. PortfolioYou carries it through the plan, scenarios, portfolio context, and AI explanations.
Step 1 · Household
Who should this retirement plan protect?
Model each person separately. Ages, retirement timing, healthcare, tax jurisdiction, and survivor income rarely line up perfectly.Survivor transition is now modeled
After the first entered longevity horizon, the engine switches from joint to single filing, keeps the higher modeled Social Security benefit, applies pension survivor percentages, and uses the saved survivor-spending assumption.