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Enter the total amount you plan to spend. Add Social Security, pensions, and other income under Income; FI Calc reduces the portfolio withdrawal by that amount.

Results show amounts in today's purchasing power (real dollars), so an inflation-adjusted spending target can look flat. Download a simulation's CSV to see nominal dollar amounts. Learn more about result dollars

No. Include estimated taxes in your withdrawal amount and account for RMDs separately when planning. Learn more about taxes

Yes. Historical stock and bond returns are total returns, including stock dividends. You don't need to add those dividends as Income. See how a simulation year works

FI Calc reduces each asset in proportion to its value at the start of the year. If enabled, rebalancing happens at the end of the year, after market returns and fees. See the order of operations

Open the Simulations tab and select a simulation to see Available Spending by year or download its CSV. Explore simulation details

Use Share beside Results to copy a link you can bookmark or send. Learn how to save a calculation