Financial Longevity Calculator
Advanced Retirement & Wealth Depletion Analytics
Projection Summary
Balance Trajectory (Nominal)
Step-by-Step: How Your Money is Projected
Step 1: Net Withdrawal Calculation
We take your Monthly Expenses and subtract any Additional Monthly Income. The difference is your base withdrawal need.
Step 2: Tax Adjustments
Because you need a specific amount in hand to pay expenses, we calculate the gross amount you must withdraw to cover both your expenses and the taxes owed on the withdrawal.
Step 3: Inflation Impact
Each month, your living expenses are increased by the monthly equivalent of your annual inflation rate. This ensures purchasing power remains constant over decades.
Step 4: Investment Growth
Your remaining portfolio balance is compounded monthly based on your expected annual return, generating interest earnings that fight against depletion.
Step 5: The “Safe Withdrawal” Rule
Financial planners often use the “4% Rule”. If your initial annual withdrawal is less than 4% of your starting portfolio, historical data suggests a high probability it will last 30+ years.
Step 6: Emergency Reserve
The Emergency Reserve is sequestered from your starting balance. It does not grow and is not withdrawn from, acting as your ultimate safety net.
20 Common Financial Scenarios
Explore how variables affect longevity. (Assumes 6% Return, 3% Inflation, 15% Tax)
| Scenario Name | Starting Savings | Monthly Expense | Extra Income | Resulting Longevity |
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