What-If scenarios are pre-built single-knob stress tests. Each one perturbs exactly one input on top of your saved simulation and re-runs the engine. They are non-destructive overlays. Your baseline inputs don't change.

The six scenarios

Equity Drop at Retirement

A one-time equity-only haircut applied in your retirement year. Use it to model a sequence-of- returns shock right when you start drawing down. Slider range is 0% to -60%.

Asset Return Lower

Persistently reduces equity returns across the entire simulation. This is the "what if the long-run average is just lower than history?" knob. The entire return distribution shifts down. Slider range is 0% to -50%.

Inflation Higher

Adds (or subtracts) a constant percentage to inflation for every year of the simulation. Slider range is -10% to +10%. Only one inflation scenario can be active at a time.

Inflation Spike

Adds an inflation bump to the first five years only, then returns to historical inflation. Models a near-term shock without permanent damage. Slider range is -10% to +10%.

Social Security Reduced

Cuts every Social Security payment by a percentage. Models the often-discussed scenario in which trust-fund depletion forces a benefit reduction. Disabled if you don't have a Social Security adjustment configured. Slider range is 0% to -75%.

Capital Gains Increase

Replaces the long-term capital gains tax rate (currently 15%) with a different value. Useful for stress-testing portfolios that depend heavily on a taxable brokerage drawdown. Slider range is 0% to 50%.