The household
Social Security & pensions
No income sources added yet — use the button below to add Social Security, pension, or other income.
Extra expenses
No expenses added yet — use the button below to add common or custom expenses.
$2,000,000
$94,446
after tax, per year
Guardrail setting
Balanced · target 85%
If balance
Then spending
$2,336,650
$109,609
Upper guardrail — spending increase$2,000,000
$94,446
$1,757,653
$88,988
Lower guardrail — spending decreaseValues are in today's dollars and after tax. Stay within the guardrails and spending holds steady. Touch the lower guardrail and spending steps down gradually. Touch the upper guardrail and spending restores fully — and may rise above the original level in strong markets. That ceiling rises as retirement progresses: it starts near 25% above the original level with 40 or more years left and climbs toward 100% above in the final decade, because a shorter remaining horizon can safely support more spending.