The household
Asset allocation
Taxes
Income
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Extra expenses
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State tax not included until you choose a state.
$2,000,000
$89,754
after tax, per year
Guardrail setting
Balanced ยท target 90%
If balance
Then spending
$2,232,770
$99,769
Upper guardrail: spending increase$2,000,000
$89,754
$1,233,033
$80,779
Lower guardrail: spending decreaseValues are in today's dollars and after tax. Stay within the guardrails and spending holds steady. Touch the lower guardrail and spending steps down gradually. Touch the upper guardrail and spending returns to the original level after a cut (less the spending smile's yearly decline, if you use one), and may rise above it in strong markets: up to 25% above it while many years remain or on the stability settings, and up to 50% later in retirement. Raises stop in the last three years of the plan, so spending never jumps just because the plan is nearing its end.
Hypothetical projections based on the inputs entered and historical market data from 1928 to 2025. Past performance does not guarantee future results, and actual returns, inflation, taxes and lifespans will differ. Figures are in today's dollars unless noted. For planning purposes only; not a guarantee or investment, tax or legal advice. Privacy