Default Scenario

🧭 Plan Settings & Market Assumptions

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🪣 Account Buckets

Add the accounts you want to draw down over time. Start Year is when an account enters the plan, which lets you model future inheritances or windfalls. Balance at Start Year is the amount that enters the plan in that year. Draw From Year is when withdrawals are allowed, which lets you model bridge periods before tax-advantaged accounts are accessible. This simulator is now bucket-driven, so add at least one account bucket to model withdrawals.

� Retirement Income Sources

� Major Expenses

Timeline Projection ? This tool projects your account balances forward using your bucket order, timing rules, expected returns, and SWR assumptions. It is deterministic rather than probabilistic, so it is meant for timeline planning, bridge-period checks, and account sequencing.

Configure your buckets and update the timeline
Drawable Start
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Year 1 Spend
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Ending Balance
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Buckets Used
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Annual Available Spend Timeline ? This chart shows how much annual spend your plan can support in each year based on drawable account balances times SWR, plus income sources and minus any major expense adjustments.

Timeline Summary

Update the timeline to see how much annual spend your buckets can support over time.