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Including Guyton-Klinger, VPW, CAPE, and Hebeler as selectable spending rules: the deepest named-strategy catalog of the three major retirement planning tools.
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Sizes spending each year to a target chance of success instead of a withdrawal-rate proxy. Raises promptly, cuts reluctantly.
Defined-maturity TIPS rungs fund early-retirement spending from maturing bonds, insulating equities from sequence-of-returns risk. Held to maturity, excluded from rebalancing.
Three-bucket retirement approach with market-aware refills and bear-market protection.
Auto-applied to traditional accounts at the right age.
Manual or optimizer-mode conversions, bracket room visualization, 5-year rule modeling.
Penalty-free early withdrawals using all three IRS methods (RMD, Fixed Amortization, Fixed Annuitization), with live payment preview.
Spend up to a target tax bracket for tax-efficient drawdown.
ZIP-based premium lookup, year-by-year subsidy projections, FPL cliff/reduction warnings.
Cost basis tracking, long/short-term gains, §121 home sale exclusion.
Gross salary, federal brackets, FICA with wage base cap, configurable other deductions.
Model costs that grow faster or slower than CPI (e.g., healthcare).
Project Student Aid Index (SAI) and Pell eligibility for college-bound dependents, then suppress Traditional withdrawals during base years to lower reportable income.
Track value, mortgage amortization, property tax, insurance, maintenance, HOA.
Monthly rent, vacancy rate, management fees, depreciation tax shield, recapture on sale.
Year-by-year balance/interest/principal split with live monthly payment preview.
Flat rate, CPI-linked, or no appreciation.
Projected sale price, selling costs, capital gains, primary-residence exclusion.
Defer eligible capital gains and depreciation recapture, carry basis forward.
Plan a purchase in any future year with funding source, closing costs, new mortgage.
Overlay property equity and total net worth on the portfolio chart.
Drag-and-drop list telling the simulator where surplus income goes each year.
Match percentage and cap modeled correctly against §415(c) limits.
Recurring or one-time income/expenses; presets for Mortgage, Tuition, Side Hustle, Inheritance.
Distinct working-years vs. retirement spending.
Quick after-tax income entry when you don't want full payroll modeling.
The full decision-rule set: Capital Preservation cuts spending 10% when your withdrawal rate spikes, Prosperity raises it 10% when the portfolio runs ahead, and inflation raises are skipped in between.
The Bogleheads amortization rule: spread today's balance over your remaining years at an assumed return, targeting whatever ending value you choose.
Spending rate keys off Shiller's cyclically-adjusted earnings yield, so you spend more when stocks are cheap and less when they are expensive.
Henry Hebeler's actuarial method: a weighted blend of inflation-adjusted spending and an RMD-style draw, so spending tracks both your balance and your remaining life expectancy.
The simpler rules too: a flat percentage of the balance, Z-value variable spending, and fixed real or fixed nominal dollars. Every rule takes a spending floor and ceiling.
Route spending to keep income in the subsidy sweet spot.
Bracket-filling, Roth/brokerage routing, ACA-aware.
Manually specify which accounts to draw from in retirement.
Opt in to dividend reinvestment per account; default uses dividends as spending cash.
Color-coded SWR badge with phase breakdown when income/expenses change.
Brokerage, 401(k), Traditional IRA, Roth IRA, Checking, Savings, HSA.
Penalty-free withdrawals at any age after separation.
Proper ownership for couples.
TFSA, RRSP, ISA, SIPP, Plan de Pensiones.
Outcome bands at every age weighted by SSA actuarial data.
Bucket balances over time vs. targets and floors.
Transaction-by-transaction details for every cycle.
Flags ACA cliff/reduction years on the Proof page.
Graphs for income, spending, taxes, and net worth.
Generate simulated returns for large-caps, bonds, REITs, Bitcoin, etc.
Custom assets that correlate to the S&P 500 instead of acting independently.
Change your stock/bond/cash mix over time.
Scale historical CPI by a percentage or offset.
Store individual saved simulations under your account.
Clone an entire simulation tree to fork an alternative.
Side-by-side comparison of saved simulations.
Quick-toggle scenarios without permanently editing inputs.
Explore the full app without an account.