See what consistency can build over time.

Model monthly compounding, then translate your projected balance into a sustainable-withdrawal income range.

Model inputs

5 years

Assumes a constant monthly return and deposits at the end of each month. Investment fees, market volatility and taxes on growth are not included.

Projected balance

$0
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60 months
Starting balance$0
New savings$0
Investment growth$0
Ending balance composition0% from growth
Money contributedGrowth

Month-by-month path

Every deposit and dollar of modeled growth over the next 5 years.

Month Starting balance Savings Growth Ending balance

Turn the balance into income.

A sustainable withdrawal rate (SWR) estimates the first year’s portfolio withdrawal. The figures below use the exact ending balance from your selected projection.

WITHDRAWAL BASIS $0 projected at year 5 $0 × 4% = $0 per year
Use your estimated effective rates. The calculator does not assume a state or infer rates from tax brackets.
Annual gross withdrawal $0 At a 4% withdrawal rate
Monthly gross $0
Estimated federal tax — Enter an effective rate
Estimated state tax — Select a state and enter a rate
Annual after tax — Complete both tax rates
Monthly after tax — Annual net ÷ 12
MONTE CARLO OUTLOOK

Simulation your Future

Test how long the selected SWR plan could last across 1,000 return and inflation paths. The same inputs always produce the same reproducible simulation.

Simulation assumptions

STARTING PLAN $0 · 4% SWR
40 years

Uses the annual return from the model above. Withdrawals begin at the selected SWR, rise with simulated inflation, and come from the portfolio monthly. No new savings are added.

Chance portfolio lasts 40 years —
Median plan life —
10th-percentile plan life —

Portfolio survival probability

Share of 1,000 paths still funded
Portfolio survival probability by year A line chart showing the share of simulated portfolios that remain above zero over the selected horizon.

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Planning illustration only—not investment or tax advice. Sustainable withdrawal outcomes vary with returns, inflation, spending changes and time horizon. Tax estimates apply the flat effective rates you enter; they do not model brackets, deductions, filing status, Social Security, or the tax character of withdrawals. The Monte Carlo model is illustrative, uses normally distributed monthly returns and inflation, and does not predict actual market outcomes.