One Year After Another

Retirement Spending Simulator

Monte Carlo simulation — how much can you spend each month?

Age

Not sure about life expectancy? Try LivingTo100.com

Your Age At Retirement Your Life Expectancy

Include spouse/partner

Social Security

Your SS Start Age Your SS Monthly (today's $)

Retirement Portfolio

Total Portfolio Value ($)

S&P 500 % Small Cap % Total Bond % T-Bill (Cash) %

Total Allocation: 100% ✓ Ready

Pensions & Annuities

Pensions without inflation adjustment will cover less of your spending each year as inflation erodes their purchasing power.

Expected Windfalls

Inheritances, property sales, large gifts, etc.

One-Time Expenses

Large purchases, vacations, education gifts, etc.

Target Estate

Amount to Leave Heirs ($) Inflation Adjusted

Spending Settings

Starting Monthly Spend to Test ($) Annual Spending Reduction (as you age) Stop testing when success rate drops below

Simulation Runs

More runs = more accurate, but slower. Each run simulates your entire lifetime once.

100 (fast, rough) 1,000 (recommended) 10,000 (precise, slow)

Results

White = above 90% (too conservative) | Green = 80–90% sweet spot | Orange = 65–79% | Red = below 65%. Success means your portfolio lasts until the last person passes and meets your estate target. Monthly spend figures are in today's dollars — the simulation increases them with inflation each year to maintain real purchasing power.

Monthly Spend	Annual Amount	Success Rate	Runs