Current Savings
$500,000
Add'l Monthly Contributions
$700
Years to Retirement
25 yrs
Years in Retirement
35 yrs
Market & Policy
State Tax Rate
5.0%
Annual Rate of Return
10.4%
Inflation Rate
3.0%
Hero
Monthly Distribution | Today’s Buying Power | Constant Real Withdrawal Method | Financial Planner Recommended
$0/mo
Die with Zero
Effective tax: —▸
· Federal — + State —
Same after-tax buying power every year of retirement. Nominal payment grows yearly with inflation. The more conservative, most accurate planning number. Savings drawn down to $0 by end of retirement.
Your Baseline
$0 /mo
+$0/mo
Baseline
No advanced modes
$0/mo
Gain Split
Each mode’s fair share of the gain
$0/mo
Adv. Tax Mode
+$0/mo
0%
Adv. Contribution Mode
+$0/mo
0%
★
★
Gross Savings At Retirement
$0
Your Money Doubled Every: --
Growth $0
·
Contributions $0
Constant Real Withdrawal Outcomes — After Tax, Today’s Buying Power
Worst Case
10th percentile
—
/mo
Most Likely
Median — 50th percentile
—
/mo
Best Case
90th percentile
—
/mo
Random Pick
1 of 10,000
Feeling Lucky?
Click for a random trial from the 10,000 simulations.
Retire today & spend for life
$0/mo
Today’s Buying Power · Monte Carlo Most Likely · Constant Real Withdrawal Method
Years Remaining · 60
Retire-Today Hero Number · $0/mo
Tap image to zoom
Set your target below. Note: This # is based off the more conservative Most Likely from your Monte Carlo Analysis not Hero Number.
$5,000
What would it take?
Enter your target monthly spend — see what needs to change
$
per month,
after tax, with Today's Buying Power
after tax, with Today's Buying Power
Option A — Save More
Monthly contributions
—
Everything else unchanged
✓
Option B — Work Longer
Years longer to work
—
Total to retirement
—
Option C — Higher Returns
Required annual return
—
Everything else unchanged
✓
Option D — Lower-Tax State
Relocate to
—
State income tax
—
Extra buying power
—
Pulling from the Current Savings slider. Type a number to override.
Status
Overall Effective Tax Rate On Distributions:
—
Federal —
+
State —
Hero: Inactive · Overall Effective Tax Rate On Distributions
Monte Carlo: Inactive · Overall Effective Tax Rate On Distributions
Monte Carlo: Inactive · Overall Effective Tax Rate On Distributions
Already Taxed
0% Tax · Tax-Free
Cash, Savings, or Investment Cost Basis · Tax only Owed on Growth
Roth IRA
0% Tax · Tax-Free
Roth IRA · Tax-free at withdrawal · IRS Roth IRAs
401(k) Pre-Tax
Traditional 401(k) / IRA · Ordinary Income · IRS 2026 brackets
Capital Gains Pre Tax (Long Term Capital Gains Rate)
Locked · auto-filled with whatever is left after the other three
Brokerage gains · Entire balance taxed at LTCG on withdrawal · IRS Topic 409
Assumes $0 Social Security, pension, and government-program income
Allocated
$0 of $0
Roth $0
After-Tax $0
401k $0
Capital Gains $0
·
Allocate your current savings across the 3 tax buckets. Everything else defaults to Capital Gains. Future contributions are already-taxed dollars, and contributed principal is already-taxed basis; only the growth on each is taxed, at the effective tax rate below.
A phase was last edited (phases drive the result). Adjust a slider here to switch back.
Your monthly contribution is pulled through from the Add'l Contribution slider ($0/mo).
Invested each month, compounding monthly.
Monthly Contribution$0
After-Tax0%$0
Roth IRA0%$0
401k Pre-Tax0%$0
$0 left
Split your monthly total across the buckets.
Vary contributions year over year:
Overrides the single allocation above.
Invested each month, compounding monthly.
Amount you'll receive
$
$0$15M tax line
Years from now
years
when you expect to receive it
Face valuewhat you expect to receive
Today's Buying Power | Inflation Adjustedthat future amount, inflation stripped out
Grows to, by retirementinvested and compounding monthly, in today's dollars
Tax on gainsLTCG only, on the growth after you inherit
Adds to your Hero NumberHeroConstant Real Withdrawal Method | Hero Number Consistent
How this is calculated
•Only gains earned after you inherit are taxed, at long-term capital gains. With Advanced Tax Mode off, gains are still LTCG, never your ordinary Hero rate.
•Consistent with the Hero Number, all withdrawals use the constant real method. Returns compound monthly.
retirement
now10 yr20 yr30 yr
Worth in today's dollarslater you get it, less it is worth
Adds to your Hero NumberHeroper month, across retirement
Hero without inheritance
Midpoint extra
Hero with inheritance
Tax on gains (LTCG)
How this is calculated
•Only gains earned after you inherit are taxed, at long-term capital gains. With Advanced Tax Mode off, gains are still LTCG, never your ordinary Hero rate.
•Consistent with the Hero Number, all withdrawals use the constant real method. Returns compound monthly.
Preview only. Run Hero or Run MC to fold the inheritance into your numbers.
Your Easter Egg
$
To be paid out in 2086 · in 60 years · 21,915 days left
Normally this model spends you to zero. Switch this on to leave money behind instead, and every figure is recalculated to generate a new hero number. It’s in today’s dollars and inflation-adjusted — $500,000 keeps $500,000 of today’s buying power the day you’re gone.
The hero number is higher, so it lowers the bar to Achieve Thailand, DAV, or Monaco. Needs no Monte Carlo run.
Gross Savings At Retirement
$0
Before taxes & inflation
After-Tax Value (Fed + State)
$0
Gains taxed at combined rate
with Today's Buying Power
$0
Inflation Adjusted
Hover a line for any year
Final Portfolio Breakdown (at Retirement)
After-Tax
Roth IRA
401k
Initial Savings-
Contributions-
Contrib: After-Tax-
Contrib: Roth IRA-
Contrib: 401k-
Growth-
Tax Cost-
Inflation Loss-
State Tax Mode
Coming soon
Your Hero number bakes in a flat 5% state tax. But some states tax retirement income far less, and a handful do not tax it at all.
Enter the states you are weighing for retirement, then compare the tax each one charges on your drawdown against that 5% baseline.
The states that come in under 5% rise to the top, so the best places to live and spend become obvious at a glance.
Same drawdown. Lower tax. More money in your pocket every month.
Inheritance in this plan
Put the target on the jet, then click