Retirement Dashboard — Dustin & Stephanie

Total Net Worth Today

Investment Accounts

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Cash & Liquid

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Real Estate

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Physical Assets

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Total —

Investment Accounts

Dustin — Roth IRA

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Dustin — 403(b)

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Stephanie — Roth IRA

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Stephanie — 403(b)

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Combined total —

Dustin retires

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Stephanie retires

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Portfolio at retirement

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projected combined

Year-1 retirement income

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withdrawal + SS

Asset allocation — today

D. Roth D. 403(b) S. Roth S. 403(b) Cash Home Equity Auto Valuables

Portfolio growth projection

Combined balance Dustin retires Stephanie retires

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Current Income Edit any field — projections update instantly

Dustin

Gross annual salary ($)

Annual raise rate (%)

Annual bonus / other ($)

Effective tax rate (%)

Stephanie

Gross annual salary ($)

Annual raise rate (%)

Annual bonus / other ($)

Effective tax rate (%)

Household gross income

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combined annual

Estimated take-home

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after effective tax rate

Income replacement at retirement

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projected yr-1 / current gross

SS at retirement (combined)

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annual at claiming age

Income projection to retirement

Dustin Stephanie

Social Security estimates by claiming age

Claim at	Dustin / mo	Dustin / yr	Stephanie / mo	Stephanie / yr

Based on SS estimates entered in Edit Profile. Edit your estimates at ssa.gov/myaccount.

Social Security breakeven — cumulative lifetime benefit by claiming age

Claim at 62 Claim at 67 Claim at 70

Healthcare Costs in Retirement The biggest under-estimated retirement expense

Medicare start age

Pre-Medicare monthly premium ($)

Medicare + supplement monthly ($)

📋 Healthcare bridge guide
Pre-Medicare gap: Marketplace COBRA can run $1,500–2,500/mo for a couple.
Medicare + supplement: Parts B+D + Medigap typically $400–700/mo per person.
Values entered here appear as a "Healthcare" row in the Cashflow tab and generate an Advisor analysis.

SS Benefit Estimates Annual benefit at full retirement age (67) — find yours at ssa.gov/myaccount

Dustin — annual SS at 67 ($)

Stephanie — annual SS at 67 ($)

Dustin — Claiming Age

Claim at

Monthly benefit

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Annual benefit

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vs FRA (age 67)

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Stephanie — Claiming Age

Claim at

Monthly benefit

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Annual benefit

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vs FRA (age 67)

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Combined household Social Security income

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annual · at selected claiming ages

Benefit by claiming age — full comparison

Claim at	Dustin /mo	Dustin /yr	vs FRA	Stephanie /mo	Stephanie /yr	vs FRA

* FRA = Full Retirement Age (67). Your selected ages are highlighted ✓. Update your SS estimate in the field above.

Cumulative lifetime benefit by claiming age

At what age does waiting to claim pay off? Each line shows total SS received from the claim date forward.

Lifetime total benefit by claiming age — to age 85

Total Social Security received if you live to 85, at each possible claiming age.

Assumes life expectancy of age 85. Bars reflect nominal dollars with no COLA applied.

Household claiming strategy — all 9 combinations to age 85

Combined lifetime Social Security for every Dustin × Stephanie claiming combination, ranked highest to lowest. Optimal combination highlighted in green; your current selection in blue.

Annual SS income projection with COLA

Nominal vs. inflation-adjusted household SS income from first claiming age to age 90.

COLA assumption (%)

Nominal line shows future dollar amounts growing at the COLA rate. Real line shows the same income in today's purchasing power (deflated by COLA%). Real value stays flat when COLA tracks inflation.

Dustin — 403(b)

Current balance ($)

Annual salary ($)

Rate of return (%)

Employee contribution (%)

Voluntary extra (%)

Employer contribution rate (%)

Annual contribution breakdown

Your contribution—

Employer contribution—

Voluntary extra—

Total annual contribution—

Stephanie — 403(b)

Current balance ($)

Annual salary ($)

Rate of return (%)

Employee contribution (%)

Voluntary extra (%)

Employer contribution rate (%)

Annual contribution breakdown

Your contribution—

Employer contribution—

Voluntary extra—

Total annual contribution—

Dustin 403(b) at retirement

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projected balance

Stephanie 403(b) at retirement

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projected balance

Combined 403(b) at retirement

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Dustin + Stephanie

Total annual contributions

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combined household

Projected 403(b) balance to retirement

Dustin Stephanie Combined

Rate of return sensitivity — balance at retirement

Dustin Stephanie

Dustin — Roth IRA

Current balance ($)

Annual contribution ($)—

Expected rate of return (%)

Years to retirement

Projected at retirement —

Stephanie — Roth IRA

Current balance ($)

Annual contribution ($)—

Expected rate of return (%)

Years to retirement

Projected at retirement —

Combined Roth at retirement

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tax-free at withdrawal

Annual Roth contributions

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combined household

Tax-free income potential

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4% of projected combined Roth

IRS limit status

✓ OK

2025 limits checked

Projected Roth balance to retirement

Dustin Stephanie Combined

Rate of return sensitivity — balance at retirement

Dustin Stephanie

Liquid Accounts Cash, savings & investments you can access readily

Checking account ($)

Emergency fund ($)

Savings / HYSA ($)

Rate (%)

CDs / Money market ($)

Rate (%)

Taxable brokerage ($)

Growth (%)

Other liquid ($)

Monthly expenses ($)Used for emergency fund target (3–6 mo)

HSA balance ($)

Growth (%)

Real Estate Home equity contributes to your total net worth

Home value ($)

Mortgage / Home loan ($)

Physical Assets Vehicles, jewelry, art & collectibles

Auto value ($)

Jewelry & artwork ($)

Emergency fund health

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months of expenses

Target: 3–6 months

Total liquid assets

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all cash accounts

Cash runway

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months if income stopped

Est. annual interest earned

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on cash positions

Home equity

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value minus loan balance

Auto value

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vehicle(s)

Jewelry & artwork

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valuables

Total net worth

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liquid + real estate + physical

Long-Term Care Estimate Model the cost of a care event and its portfolio impact Disabled

Onset age estimate

Care duration (years)

Monthly care cost ($)

LTC insurance premium ($/mo)

Insurance coverage cap ($)

🏥 Long-Term Care guide
Typical costs: Assisted living $4,500–6,000/mo; Memory care $5,500–8,000/mo; Nursing home $7,500–10,000/mo.
Average duration: ~3 years, but 20% of people need care for 5+ years.
Insurance: A policy with a $300–500k benefit pool can significantly reduce out-of-pocket exposure.
Values appear as an "LTC Cost" row in the Cashflow tab and generate an Advisor analysis.

Windfall / Lump Sum Model a one-time cash injection (inheritance, insurance payout, settlement, etc.) Disabled

Windfall amount ($)

Year received

Allocate to

💰 Windfall guide
Portfolio: Funds are added to your investment portfolio and grow at your portfolio rate. This updates all projections.
Mortgage: Reduces your loan balance, boosting home equity and net worth.
Savings / HYSA: Added to your liquid savings — shown in Cashflow but not the projection portfolio.
Tip: consider splitting across accounts. Update amounts directly in Liquid Accounts / Real Estate above.

Windfall amount

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one-time cash injection

Value at retirement

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grown at portfolio rate

Received in year

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appears in cashflow table

Asset allocation — all assets

Emergency fund vs target

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Saved Scenarios

What-If Scenario Builder

Adjust any assumption and see the impact in real time. Your saved settings are never changed until you explicitly save.

Retirement Ages

Dustin retires at 65

Stephanie retires at 62

SS Claiming Ages (62 – 70)

Dustin claims at

Stephanie claims at

Portfolio & Withdrawal

Withdrawal rate 4%

Portfolio growth 5%

Withdrawal inflation 2.5%

Roth Growth Rates

Dustin Roth 12%

Stephanie Roth 12%

Live Preview

Portfolio at retirement

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combined

Initial withdrawal / yr

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Annual SS income

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at selected claiming ages

Portfolio at age 95

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vs. Your Current Settings

Metric	Current	Scenario	Δ
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Portfolio Balance: Current vs Scenario

Dustin

Retirement age65

Roth growth rate12%

Stephanie

Retirement age62

Roth growth rate12%

Retirement Plan

Withdrawal rate4%

Portfolio growth5%

Withdrawal inflation2.5%

Portfolio at retirement

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Initial withdrawal

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Total income (yr 1)

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withdrawal + SS

Portfolio at age 95

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Social Security

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annual combined

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Monte Carlo — Probability of Success

Running…

Simulating 1,000 retirement scenarios…

Median (p50) at 95

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Optimistic (p90) at 95

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Conservative (p10) at 95

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Std Dev used

10%

Depletion Risk

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chance of depletion before age 95

Worst-Case (p10) Depletes At

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bottom 10% of scenarios

Simulations Run

1,000

Box-Muller · σ=10% annual

Monte Carlo Confidence Bands — 1,000 Scenarios

p10 conservative p25 p50 median p75 p90 optimistic

Portfolio balance · age 65–95

Dustin's portfolio at retirement

Stephanie's portfolio at retirement

Total withdrawals

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30-year cumulative

Total SS income

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30-year cumulative

Total income

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withdrawal + SS combined

Portfolio at age 95

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Depletion

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Portfolio balance & annual income · retirement to age 95

Year-by-year cashflow projection

Year	Age	SS Income	Withdrawal	Total Income	Portfolio Balance	Yrs to 95

🎯 Retirement Advisor

Personalized recommendations built directly from your data — balances, income, contribution rates, and SS estimates. Each section shows the math, the verdict, and exact action steps.

💼 Contribution Rate Analysis

🔵 Social Security Strategy

📋 Required Minimum Distributions (RMD)

🏥 Healthcare Bridge Analysis

🔄 Roth Conversion Planner

🏦 Withdrawal Sequencing

🏥 Long-Term Care Analysis

🎯 Retirement Advisor

⚙ Edit Profile

📥 Import State