What-If

Pull the dials — work-until age, Social Security timing, spending, returns — then Apply changes to rerun the engine and see how each choice moves your odds, your tax bill, and how long the money lasts. Nothing is saved until you say so.

Current plan (saved)

Sequential withdrawals • stocks 7% / bonds 3% • inflation 3.5% • spending $67,000/yr • portfolio $900,000

What-if scenario

No changes applied — drag the dials, then press Apply changes

Timing

When you stop working and when Social Security starts. Tip: add salary & savings in the Plan wizard so "retire later" also counts the extra contributions.

Person 1 has no salary — treated as retired today. Add Employment & savings in the Plan wizard to move that date.

Person 2 has no salary — treated as retired today.

Person 1 claims Social Security at67 yrs

62 yrs – 70 yrs≈ $36,000/yr

Person 2 claims Social Security at67 yrs

62 yrs – 70 yrs≈ $21,600/yr

Lifestyle

Scale spending by category — essentials, healthcare, and discretionary move independently.

Essential spending100%

50% – 150%≈ $40,000/yr vs $40,000

Healthcare spending100%

50% – 150%≈ $12,000/yr vs $12,000

Discretionary spending100%

50% – 150%≈ $15,000/yr vs $15,000

Market assumptions

What the engine should expect from investments and prices.

Stock return7%

-5% – 15%plan: 7%

Bond return3%

-2% – 10%plan: 3%

Inflation (CPI)3.5%

0% – 10%plan: 3.5%

Healthcare inflation6%

0% – 15%plan: 6%

Withdrawals

How the engine takes money out each year.

Strategy

No changes yet

Chance of success

—

Money lasts

2058

Legacy left

Lifetime federal tax

$80,658

Portfolio over time — what-if vs current plan

Single-path projection. Current plan runs out 2058. Monte Carlo odds rerun with each Apply using the same 5,000 futures and seed as the Dashboard verdict — applying a scenario to your plan carries its chance of success straight over, no re-run needed.

Cash flow — money in vs out (current plan)

What you changed

Nothing applied yet. Move a dial on the left, press Apply changes, and the engine reruns instantly. Adjust one thing at a time to see what it's really worth.

P1 last salary year

—

First Social Security

2032

Portfolio runs dry

2058

Happy with a result?

Save for comparison snapshots this what-if as-is (up to 10) so you can stack it against others on the Compare page. Apply to my plan makes it your official plan everywhere else — including this exact chance of success on the Dashboard, with no re-run.

Open dashboard →

Need finer control (accounts, individual expenses, filing status)? Use the full plan wizard. Your saved plan is untouched until you choose one of the options above.