Live off it — draw it down without running out
Drawdown is where a single-number calculator does the most harm. These tools report depletion age and success probability as a 10/50/90 range across sequence risk, account-type tax drag, and explicit fees — plus the withdrawal-strategy and Roth-ladder mechanics that decide whether a plan survives a bad first decade.
Will My Money Last
Depletion age as a 10/50/90 range across sequence risk, account-type tax drag, and explicit fees.
Live off itSafe Withdrawal Rate
Fixed vs Guyton-Klinger vs VPW, printed side by side, gross vs net-of-tax spendable.
Live off itLive Off Dividends
Portfolio needed to live on dividends, taxed with the current-year engine and a yield-reality anchor.
Live off itRoth Conversion Ladder
Five-year seasoning queue with a cold-start bridge-survival pass/fail gate and a 72(t) lane.
What makes this stage different
Bank and insurer calculators tend to quote a deterministic "30 years" and subtract taxes out of nowhere. Here the drawdown engine runs three ways — closed-form, historical backtest, and Monte Carlo bootstrap — and shows the gross-to-net waterfall so a 4% headline that is really ~3.1% spendable after taxes and fees is not hidden. The most safety-critical page, how long will my money last, additionally carries a credentialed reviewer block before it is indexed.
Around this stage
- Reach FI
Size the number before you spend it down.
- Sequence-of-returns risk
Why the order of returns decides whether money lasts.
- Safe withdrawal rate
The 4% study and what moves the number in practice.