Inputs
Results
Portfolio chart
Yearly summary
Notes
- Expected return is an assumption, not a guarantee.
- Taxes, fees, and return-path volatility are not modeled in this version.
- Compare multiple scenarios before making financial decisions.
FAQ
What is the 4% rule?
It starts with withdrawing a fixed percentage of the initial portfolio, then usually adjusts the amount for inflation. It is a planning rule, not a guarantee.
What does solver mode calculate?
It solves for the maximum initial withdrawal that keeps the portfolio from dropping below your target ending balance over the selected horizon. Solver mode currently works only with fixed-real and fixed-nominal withdrawal rules.
Are taxes and fees included?
No. This model is pre-tax and fee-excluded. Use additional scenario buffers for tax drag and investment costs.
Does this model include sequence-of-returns risk?
No. This version uses a constant average-return model and does not simulate return-path randomness.