Your retirement spending blueprint

Know what retirement will cost. Then make it yours.

Build the life you want one category at a time. PortfolioYou turns it into a year-by-year spending path for your retirement forecasts and stress tests.

Five planning rolesLife-stage timingHealthcare inflationOne-time goals

Required / Essential$114K63% of first-year spending

Lifestyle / Discretionary$39KPrimary guardrail flexibility

Optional / One-Time$3KCan move or be removed

Healthcare / Contingency$18KModeled with healthcare inflation

Legacy / Gifting$6KSeparate from lifestyle spending

Income outside portfolio$25KAt retirement based on start ages

Needed from portfolio$155K3.7% of the current portfolio

Plan completeness100%

Ready for deeper forecasting

Your spending over time

Retirement is not one flat number.

Costs can start, stop, or rise differently. Income sources begin on their own schedules.

See this plan in your outlook →

Retirement beginsAge 59

$180Kplanned spending

$25K income$155K portfolio need

Social Security beginsAge 67

$173Kplanned spending

$77K income$96K portfolio need

Slower yearsAge 75

$147Kplanned spending

$77K income$70K portfolio need

Later yearsAge 85

$146Kplanned spending

$77K income$69K portfolio need

Income outside portfolio Amount funded by portfolio

Income taxes are modeled separately in the retirement calculator to avoid counting them twice.

Build your spending plan

Start with life. Then add the numbers.

Use yearly or monthly amounts. Give every expense one planning role so the engine protects essentials before flexible goals.

Finished for now?

Save every amount, date, and assumption, then refresh the Retirement Sandbox with this plan.

How amounts change

Use the right inflation rule for each cost.

General living costs track your planning inflation rate. Healthcare can rise faster. Fixed payments lose purchasing power in today’s dollars.

General yearly inflation2.5%Healthcare yearly inflation4.5%