Retirement Drawdown Analysis

Age 46, MFJ with 2 dependents

Key Assumptions

Starting Assets

Brokerage ($)

Traditional IRA ($)

IRA SEPP 72(t) ($)

Roth IRA ($)

Roth Available ($) Contributions only

SEPP Rate (%) Single life amortization

Use Monte Carlo Simulation

Run multiple scenarios with varying market returns

Return Rate (%)

Inflation Rate (%)

Tax Rate (%)

HELOC Limit ($)

HELOC Rate (%)

Home Sale & Purchase

Home Sale Year

Net Home Sale Proceeds ($) After selling costs

Buy New Home?

New Mortgage (Monthly)

Monthly Expense Editor

Customize expenses for each year of retirement

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Year	Age	Mortgage	Food	Utilities	Other	Slush/Annual	Monthly Total	Annual Total

Tip: Use the "Slush/Annual" column for recurring annual expenses like travel, gifts, hobbies, or additional discretionary spending. The "Apply Inflation" button will inflate all expenses including slush amounts.

Asset Drawdown Over Time

Net Assets & HELOC Balance

Year-by-Year Breakdown

Detailed projection with editable values

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Note: Click any numeric value to edit it. Changes will override the calculated value for that year only.

Year	Age	Brokerage	IRA	IRA SEPP	Roth IRA	Roth Avail	HELOC	Total Assets	Expenses