Success Rate
?Success rate is the share of simulations where you don't run out of money. 95% CI is the Wilson interval — the true rate lies in this range with 95% confidence. At 100 sims the CI is wide (~10%); at 10,000 sims (PRO) it narrows to ~1%. Dollar values shown below are inflation-adjusted.
10th Pctl
?In 90% of simulations, your portfolio ends above this amount
$--
Median
?Half of simulations end above this amount, half below
$--
90th Pctl
?Only 10% of simulations end above this amount (optimistic outcome)
$--
All dollar values are inflation-adjusted to today's dollars (real $). Why?
Assumptions used in this result — click to expand
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Optimized Tax
?Lifetime federal taxes with optimized withdrawal sequencing
$--
Naive Tax
?Lifetime taxes with traditional-first withdrawal (no optimization)
$--
Tax Savings
?Estimated lifetime tax savings from optimized withdrawal strategy
$--
Portfolio Projection
Allocation
Monte Carlo Paths
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Glide Path ?How your asset allocation shifts over time (e.g., more bonds as you age)
Income vs Spending
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Ruin Probability ?The chance your portfolio hits $0 at each point in retirement
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Account Depletion
Tax Burden
IRMAA Zones ?Medicare surcharge zones based on your projected MAGI. Green = safe, Yellow = near cliff, Red = surcharge applies.
Year-by-Year Withdrawal Strategy
Age
Trad.
Roth
Taxable
Tax
IRMAA
Eff. Rate
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