Choose advisor-backed glide paths and withdrawal strategies to see how long your portfolio can last — year by year.
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Input Notice:
👤 Your Profile
Your age today
How many years to fund
Investable assets today
📈 Return Assumptions
Historical avg ≈ 7–10%
Historical avg ≈ 2–4%
Long-run avg ≈ 2.5–3%
🎯 Glide Path Strategy
How your stock/bond mix changes over time
Stock % at Year 0
Stock % at final year
💸 Withdrawal Strategy
How annual income is calculated
Dollar amount withdrawn in Year 1; inflation-adjusted each year after
Drift from starting rate before a 10% raise or cut triggers
Sustainability Score
Portfolio Longevity
Final Balance
Year / Age
Equity %
Blended Return
Withdrawal
Portfolio Growth
End Balance
Benchmark Comparison — Static 60/40 Portfolio
Both columns use the same Static 60/40 allocation with your stock/bond/inflation assumptions.
% of Current Balance = withdrawal shrinks as portfolio shrinks (more conservative math).
Inflation-Adj % of Original = classic 4%-rule style with fixed real income.
Rate
Yrs (% Bal)
Final (% Bal)
Yrs (Infl-Adj)
Final (Infl-Adj)
Funds Plan?
Educational Purposes Only. This calculator provides estimates based on user-supplied assumptions and simplified modeling. It does not account for taxes, sequence-of-returns volatility, Social Security income, Required Minimum Distributions, or other individual factors. Results are not a guarantee of future portfolio performance and do not constitute financial, legal, tax, or investment advice. Advisor names reference published academic research; this tool is not affiliated with or endorsed by those researchers. Consult a qualified financial professional before making retirement planning decisions.