🏖️ Withdrawal Planner

Controls on top • Results & table below

⚙️ Plan Settings

Quick Mode uses deterministic returns; Deep Mode runs Monte Carlo with volatility and optional sequence stress. Educational tool only.

💰 Starting Portfolio ($)

📅 Years to Plan

📈 Expected Return %

Nominal, before fees/taxes

🌡️ Volatility % (Deep)

📉 Inflation %

💸 Expense Ratio %

🧾 Tax on Withdrawals %

🪙 Other Annual Income ($)

🛠️ Strategy

Initial Withdrawal / %

If 4% Rule, enter 4 for 4% of initial balance (inflation-adjusted later).

🛡️ Sequence Stress

🧱 Withdrawal Floor (real $)

🧤 Withdrawal Ceiling (real $)

🎲 Monte Carlo Runs

🧠 Deep Mode Ready

Success (Deep)

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Final Median Balance

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Avg Real Withdrawal

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Worst 10th %ile Balance

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Year	Start Balance	Withdrawal (pre-tax)	Other Income	Taxes	End Balance	Real Spending