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Build a retirement cash-flow plan from the accounts, income and expenses you enter. Keep essential spending separate from flexible spending, respect locked balances, and see the gross withdrawal needed to deliver spendable cash after the tax assumption and fees.
Compare fixed-real, portfolio-linked and guardrail spending rules on the same paths. Explore deterministic scenarios first, then run reproducible simulations with visible assumptions. A positive final balance is not enough if an earlier essential bill went unpaid.
This is a planning model, not an investment adviser or a prediction of your lifespan, tax position or future markets. Simulation percentages describe the modelled paths. The sampling interval does not cover uncertainty in the model or its assumptions.
What you get
- Account-level drawdowns in a visible order: cash first, then your priority; locked and minimum balances respected.
- Tax-and-fee bridge: the smallest gross withdrawal that delivers the spending cash you need.
- Essential and flexible spending kept apart — every unpaid essential month is flagged, even if the plan ends with money left.
- Deterministic sequence tests: the same returns in the entered and in the reversed order.
- Fixed-real, portfolio-linked and guardrail spending rules compared on the same paths.
- Reproducible simulations with a stated seed, Cancel and a replay check; printable reports and CSV files.
How it works
- Enter accounts and dated flows. Add accounts with balances, tax and fee assumptions and locks, then income and essential or flexible spending with dates and increase rules — or import them from CSV.
- Select withdrawals. Check the withdrawal order, choose a spending rule and see the gross-to-net bridge for any account.
- Compare assumptions. Run the deterministic scenario, test the order of returns, compare the spending rules on the same paths and run reproducible simulations.
- Inspect shortfalls. Read the month-by-month schedule, the first unpaid essential bill and the lowest month, then print the report with every assumption.
Limits
Decision support under your inputs: not investment, tax, legal or insurance advice. Simple tax only (one rate on the gross withdrawal); no country pension or tax rules built in; one common risk factor with a smoothed annual return model. Simulation shares describe modelled paths, not the chance of real success.
Questions
Does this use AI?
No. Calculations follow the rules and assumptions shown in the tool. The help panel explains the inputs, formulas and limitations.
What is included in a one-time purchase?
The full online tool, the self-contained offline package, a guide, templates and your own reports and backups, under the licence shown at checkout.
Is it included in PRO?
Active PRO Week, Month and Year subscribers can use the full online tool. The offline program for this new tool is included only with a one-time purchase. Your own reports and data backups are not offline-program downloads.
What happens if PRO ends?
You can still view and back up your existing local records. Creating or editing calculations requires renewed PRO or a one-time purchase. A separate one-time purchase remains valid independently of PRO.
Where are my records stored?
The calculation workspace stores records in your browser on this device. Save regular backups. Clearing browser storage can remove local records. Account and purchase records are handled separately by the website.
Can I use another language or currency?
The interface supports English, Spanish, German, French, Portuguese, Italian, Dutch and Russian. Choose your calculation currency separately from the language. Currency conversion uses the rates or assumptions you enter.
Does the demo accept my data?
No. The demo uses fictional examples and lets you inspect the workflow and sample reports. Your own inputs and imports are available in the full version.
Does this replace a professional adviser?
No. It explains calculations under your inputs. Use appropriate professional advice for legal, tax, employment, investment, credit and safety decisions.
Are simulations guarantees?
No. A simulation percentage is the share of modelled paths that meet a stated test under your assumptions. It is not the probability of real success, and its sampling interval does not cover errors in the model or its assumptions.
Does the tool know my country's pension and tax rules?
No. Enter the applicable amounts: pension start dates, net or gross income, and a tax rate on withdrawals. No country rules, allowances or required minimum withdrawals are built in.
Can a positive ending balance hide a missed bill?
Yes, in a plan that only shows the ending balance. Here the report separately flags every month with an unpaid essential expense and the first one.
Can I compare currencies?
Yes, with explicit exchange-rate assumptions that you enter. Nothing is downloaded and no rate is forecast.
Personal-use license for one household. No resale or redistribution. Opens in your browser right after payment, on phone and computer. Your figures stay on your device. No physical item.
Retirement Spending & Drawdown Lab
See how spending, withdrawal order and market sequence interact.
Follow your retirement cash month by month before you commit to a withdrawal plan — buy once for $29.
- One-time purchase
- Full version of this tool on the site plus an offline version to download. One payment. The offline copy works without a subscription.
- Access with PRO
- Full version on the site while your PRO is active. Export of your results and backups is included. The offline program is bought separately.
Pay by card, Apple Pay or Google Pay
- Works in any country · your own currency
- Download link on the confirmation page and by email
- What you need: Any modern browser · computer and phone · offline HTML file · CSV & printable reports · 8 languages
- Refund within 14 days, for any purchase
- Formats: Interactive tool in your browser — phone and computer; PDF & CSV export
- Interactive browser app · computer and phone · downloadable offline version with a one-time purchase.
- Money in whole minor currency units with HALF_UP rounding; month-by-month schedule up to 1200 months.
- Simulation in a background worker with Cancel and a fixed seed; the same seed gives the same paths online and offline.
- CSV (UTF-8) and XLSX imports: accounts, income and spending lines, return paths.
- Local workspace storage, complete backups and CSV exports.
- Printable report (A4 or US Letter) with formula versions and an input hash.
- 8 languages; any currency, with your own exchange-rate assumptions.
- No AI. Every result shows its working.
- One-time purchase.
Any purchase is refunded if you ask within 14 days of payment. Files that will not open, and anything that does not match its description, are refunded in full at any time, with no time limit.
