RETIREMENT FLIGHT DECK
When does work become optional?
Build a retirement flight path using the income sources and spending that actually belong to your life—not a generic percentage of salary.
READY WHEN YOU ARE—
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Review your inputs, then select Calculate.
TEST ONE CHANGE
RETIREMENT INCOME STACK—
Social Security, pension & other incomePortfolio withdrawals
RETIREMENT TAX RADAR
Open the Tax Flight Deck →Model assumptions
Tougher planning case: simultaneously assumes returns are 1 percentage point lower before and during retirement, inflation is 0.5 percentage point higher, and starting spending is 5% higher. It is a sensitivity check—not a verdict. Timing convention: each retirement year applies the full annual return first, then subtracts that year’s portfolio withdrawal at year-end; this can be more favorable than monthly withdrawals. Illustrative educational projection. The effective tax rate is applied to entered retirement income and withdrawals from the pre-tax share of the portfolio. Taxable-account gains, withdrawal order, deductions, credits, and benefit taxation are not modeled separately. Social Security is entered in today’s dollars; pension and other monthly income are entered at retirement. Verify Social Security at SSA.gov. This is not financial or tax advice.
OPTIONAL DEEP DIVES
Open another tool to test a specific assumption.
RELATED PATH
Build tax diversification
Map traditional, Roth and taxable balances.
OPEN →03Test contribution changes
See what a higher savings rate changes.
OPEN →SPECIALIZED TOOLCould I stop contributing?
See whether current retirement savings could reach the target without more contributions.
RUN COAST FI CALCULATOR →