Calculator Controls
Total Assets
$1,000,000
Horizon
30 Years
Household Type
Couple
Dollar View
Today's $ (Real)
Allocation Breakdown
| Category |
Allocation %
Total: 100.0% ✓
|
$ Amount
Total: $1,000,000 ✓
|
|---|---|---|
Portfolio Summary
Of Total Assets
Total Liquid
100.00%
$1,000,000
Of Growth Assets
Total Protected
0.00%
$0
Of Growth Assets
Potential Return
8.24%
$82,400
Of Growth Assets
Potential Downside
58.20%
$582,000
Financial Plan Details
Monthly Income
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General Inflation
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General Inflation
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General Inflation
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No Inflation
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No Inflation
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General Inflation
Monthly Expenses
General Inflation
Now
Plan end
General Inflation
No Inflation
Now
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No Inflation
No Inflation
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No Inflation
General Inflation
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General Inflation
LTC Inflation
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LTC Inflation
LTC Inflation
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LTC Inflation
Taxes
* Federal taxes use 2026 ordinary-income brackets and base standard deductions, inflation-adjusted throughout the projection. The model estimates the federally taxable portion of Social Security using IRS provisional-income thresholds (assuming no tax-exempt interest), excludes Social Security from state taxable income, and treats pension and other modeled income as fully taxable. A $203/month Medicare deduction is automatically taken from each active, positive Social Security income stream and grows with General Inflation. A 7.65% FICA tax is automatically applied to Salary income. Temporary senior deductions, age-65/blindness additions, capital-gains rates, Roth treatment, and account-specific tax characteristics are not modeled. Withdrawals used to fund a shortfall are grossed up using the calculated effective tax rate.
Assumptions
Current Assumptions — independent from Proposed
* Adjust baseline inflation rates. Choose All to reinvest 100% of surplus, None to reinvest 0%, or Custom to enter a percentage. Any amount not reinvested is treated as spent. Reinvested surplus is distributed according to your Allocation Breakdown percentages.