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If I am in year 20 do I need to reduce spending based on the year 1 balance? I am basing my withdrawals on a 30 year retirement. This is a great tool! I love this visualization including the likelihood of death even if the ssa table is a bit too aggressive for most people doing this, since income and wealth both correlate with longevity, the average person using this tool will probably live a couple years longer than the SSA estimates. I doubt most people are going to cut their spending because of some minor correction or flat year. Anyway, I hope you agree with my suggestions if you work on this again, and generally great idea and brilliant work!

Absolutely love it! Is there a place to donate to you,brother, because this is incredible. Josh- Thanks for showing this site on your YouTube channel. This calculator is very comforting to me as I look at semi-retirement in a few years. I think I can do this.

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Did this calculator figure in social security? Do you enter that under extra income? Hey Vic- I entered SS as extra income. A tabular format would be interesting. Also it would be nice to be able to adjust extra income, e.

Also the ability to add different mortality tables based on health, e. Is the spending amount reflect actual spending or the yearly withdrawal amount from your savings. Your email address will not be published. Save my name, email, and website in this browser for the next time I comment. Toggle navigation Engaging Data. Gallery About Random Stuff.

Rich, Broke or Dead? Post Tags: calculator demographics graph interactive money probability retirement stock market visualization. Previous Post. Next Post. Visualizing Longevity Risk jenny says:.

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