Personal Details

Current age

Retirement age

Life expectancy (age)

Assets Today

Retirement accounts (401k, IRA) ($)

Taxable investments / brokerage ($)

Primary home value ($)

Mortgage balance remaining ($)

Mortgage interest rate (%)

Mortgage years remaining

Other assets (business, rental, etc.) ($)

Other liabilities / debts ($)

Growth & Spending Assumptions

Investment return — pre-retirement (%/yr)

Investment return — in retirement (%/yr)

Home appreciation (%/yr)

Other assets return (%/yr)

Annual retirement spending ($)

Inflation on spending (%/yr)

Annual guaranteed income (SS + pension) ($)

Enter SS + pension in today's dollars — treated as fixed nominal income

Estate / inheritance tax (%)

Note: Mortgage payoff uses real amortization at the entered rate. Portfolio withdrawals are inflation-adjusted net draws (spending minus guaranteed income). The 2024 federal estate tax exemption is $13.61M per individual — most estates owe no federal estate tax. Consult an estate planning attorney for your specific situation.