Stage-based withdrawals · Social Security timing · Inheritance planning · LTC stress test
Personal
Portfolio & Savings
7.0%
5.0%
Inflation
3.0%
6.0%
Social Security
Delaying past FRA earns +8%/yr up to age 70. Claiming early reduces benefit permanently.
$2,500/mo
Stage withdrawal rates
I
Go-go
Age 65–75
4.5%
Active spending — travel, hobbies, dining
II
Slow-go
Age 75–85
3.5%
Reduced travel, more local activities
III
No-go
Age 85–90
3.0%
Healthcare-heavy, care costs dominate
Inheritance / Legacy goal
How much of your portfolio you want to leave behind
$250,000
$0
Long-term care stress test
56% of 65-year-olds will need LTC. Model it as a what-if shock to your plan.
82
$100,000
Duration scenario
Moderate most likely
2–3 years · ~35% of cases
Extended
4–5 years · ~12% of cases
Severe tail
6+ years · ~7% of cases
LTC costs replace (not add to) regular withdrawals during care years.
Your projection
Portfolio at retirement
—
SS monthly benefit
—
SS breakeven age
—
vs. claiming at 62
Investments at life expectancy (age 90)
—
Inheritance goal
—
Surplus / shortfall
—
LTC stress test — investments at life expectancy
Base (no LTC)
—
Investments remaining
Moderate (2–3 yrs)
—
—
Severe tail (6+ yrs)
—
—
Your Retirement Paycheck
Projected monthly income by life stage — in future & today's dollars
Stage
Age range
Monthly budget
Present Value
Annual budget
From portfolio
SS income
Base plan without LTC event. SS shows $0 during gap years before claiming. "Present Value" discounts each stage's monthly budget back to today's dollars using your inflation rate.
Dashed purple line = inheritance goal (inflation-adjusted). LTC scenarios overlaid when enabled.
Cumulative lifetime SS income by claiming age. Your selection shown in bold.