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    Calculates locally in your browser · multi-year projection
    Household / lifetime plan

    Household financial plan

    Every other calculator answers one question. This one puts income, spending, tax, contributions and three account balances on a single timeline, so you can see when the money peaks, when it runs out, and how much tax the plan pays over a lifetime.

    Horizon55 yrReturn6.0%StatusFunded
    Net worth at plan end
    $12,442,689
    At age 95
    At retirement
    $6,469,449
    Age 65
    Lifetime tax
    $2,714,725
    Income tax across every year
    Funded retirement
    31 yr
    Funded to the plan horizon
    Year-by-year plan
    Income, spending, tax and the three account balances on one timeline.
    56 years
    Year-by-year plan
    AgePhaseIncomeSpendingTaxNet worth
    40Work$120,000$70,000$10,143$943,248
    45Work$139,113$81,149$13,503$1,517,374
    50Work$161,270$94,074$18,377$2,310,957
    55Work$186,956$109,058$24,028$3,401,330
    60Work$216,733$126,428$30,579$4,893,394
    65Retire$0.00$146,564$0.00$6,702,257
    70Retire$0.00$169,908$0.00$8,014,610
    75Retire$0.00$196,970$46,690$9,347,646
    80Retire$0.00$228,343$67,526$10,505,927
    85Retire$0.00$264,712$96,566$11,475,178
    90Retire$0.00$306,873$132,243$12,125,362
    95Retire$0.00$355,750$157,789$12,442,689

    Every fifth year is shown; the charts use the full series.

    Inspect the model
    Choose a quick result view, a scaled comparison, or the complete diagnostic set.
    Net worth across the plan
    Accumulation during work, drawdown in retirement, and where it turns.
    Net worth across the plan$0$2776.8k$5553.6k$8330.3k$1.111e+4k$1.388e+4k404044444848525256566060646468687272767680808484888892929494Net worth
    Canonical equations
    The exact relationships implemented by this engine.

    saved = income − spending − tax · Tax from the 2025 brackets; the surplus is split between accounts.

    withdrawal = spending + tax · Solved by the drawdown engine, taxable → deferred → Roth.

    balance × (1 + r) · Constant nominal return applied to every account.

    income, spending × (1 + π)ᵗ · Keeps the plan in nominal dollars.

    finance methodology

    A clear path from inputs to results.

    Every other calculator answers one question. This one puts income, spending, tax, contributions and three account balances on a single timeline, so you can see when the money peaks, when it runs out and how much tax the plan pays over a lifetime.

    Step-by-step methodWorked exampleAssumptions explained

    How to use

    1. Set the current age, retirement age and plan horizon.
    2. Enter the balances in taxable, tax-deferred and Roth accounts.
    3. Enter gross income and the spending you need.
    4. Set the return and inflation assumptions.
    5. Read the peak at retirement, the ending balance and the depletion age.

    The formula

    Bt+1=Bt(1+r)+St−Wt,Wt=spendingt+TtB_{t+1} = B_t(1+r) + S_t - W_t, \qquad W_t = \text{spending}_t + T_t

    Reference: Deterministic multi-year projection; tax from the 2025 federal brackets, drawdown order from the retirement tax engine.

    Worked example

    Age 30 to 45, $100,000 income, $50,000 spending

    Inputs
    • Age 30, retire at 40, plan to 45.
    • Income $100,000, spending $50,000.
    • No starting balances, 0% return, 0% inflation.
    Calculation path
    1. 1

      Tax on $100,000 single: $13,449.

    2. 2

      Saved each working year: 100,000 − 50,000 − 13,449 = $36,551.

    3. 3

      Ten working years accumulate $365,510.

    4. 4

      Retirement spending of $50,000 a year, grossed up for tax, exhausts the balance at about age 46.

    5. 5

      The plan therefore fails the 45-year horizon test once retirement begins.

    Result

    Peak $365,510 at retirement · depleted at 46.

    Interpreting the result

    The plan object is what makes the other calculators useful. A withdrawal rate looks safe on its own, but on this timeline you can see it interacting with the tax on the working years, the order of drawdown and the compounding that stops when work stops.

    Assumptions & limitations

    • Constant nominal return and inflation.
    • Federal tax only; no state tax or credits.
    • Spending is met from income during work and from the accounts in retirement.
    • No Social Security, pension or inheritance income unless entered as other income.

    Frequently asked questions

    Why does the balance peak at retirement?

    Contributions stop and withdrawals begin at that point, so the growth curve turns.

    Can I model a pension?

    Add it as other retirement income in the retirement tax calculator, or reduce the spending figure by the pension amount.

    Is this a Monte Carlo?

    No. It is a single deterministic path; pair it with the sequence backtest to see how the order of returns changes the outcome.

    Methodology last reviewed 2026-10-21. Results are informational and not financial or engineering advice — see our disclaimer.