Retirement Projection Model
Model different scenarios to see how your retirement portfolio might perform over time
What This Model Does
- Projects your portfolio year-by-year from now through age 95
- Accounts for different spending phases (working, retirement, Social Security)
- Models multiple scenarios: current plan, additional income, reduced spending
- Shows when portfolio might run out or when you exceed your goals
- Factors in Social Security timing and estimated benefits
Important Limitations
- Assumes steady returns (reality is volatile with good and bad years)
- Does not model sequence of returns risk (market crash timing matters)
- Does not account for taxes on withdrawals or RMDs
- Inflation is not applied to future dollar amounts shown
- Healthcare costs, major purchases, and life changes are not included
1. Current Situation
2. Spending Scenarios
3. Additional Income (Optional)
4. Social Security
5. Assumptions
Base Case
Reduced Spending
With Income
Compare All
Scenario Results
Year-by-Year Projection
| Age | Year | Portfolio Value | Annual Spending | Annual Income | Notes |
|---|
Model Assumptions
This projection model is for educational purposes only and is not financial advice. Real-world results will vary due to market volatility, taxes, healthcare costs, inflation, and life events. Use this as a planning tool to understand different scenarios, not as a guarantee of outcomes. Consider consulting a financial advisor for personalized guidance.