A retirement income plan you can examine.
Connect accumulation, monthly withdrawals and a return-order stress test, with funded spending and shortfalls kept visible.
Give time and spending equal attention.
A useful detail
The withdrawal target is a finite annuity using a constant real return and a first withdrawal one month after retirement. It excludes pensions, tax, variable returns, longevity beyond the chosen horizon and safety margins. It is not a safe-withdrawal recommendation.
Manual assumptions · Educational illustration · No application, account connection or personal recommendation.
Keep the useful
conversation going.
Ask a question about the site or worksheet. This is not an application or an instruction to invest. You choose whether any calculation context is included.
Keep the conversation going.
Send the MITEY team a question about this site. This does not make an application, order a service or enrol you in a newsletter.
This review address cannot send enquiries, subscriptions or AI questions. Nothing entered here is sent.
How long could
this balance last?
A useful detail
Calculating.ca’s monthly drawdown model applies a constant equivalent monthly return, then a month-end withdrawal. The withdrawal grows monthly at the entered annual effective increase. It stops at available funds and records the remaining spending as unfunded. Enter return after ongoing costs; tax and pensions are excluded.
First depleted at model month 243. This does not fund the spending that follows.
A smooth return is not a retirement safety assessment. Use the return-order stress test beside this plan; assess tax, benefits, longevity and irregular spending separately.
Keep the useful
conversation going.
Ask a question about the site or worksheet. This is not an application or an instruction to invest. You choose whether any calculation context is included.
Keep the conversation going.
Send the MITEY team a question about this site. This does not make an application, order a service or enrol you in a newsletter.
This review address cannot send enquiries, subscriptions or AI questions. Nothing entered here is sent.
The path matters
when money leaves.
A useful detail
Reused from Calculating.ca’s reviewed return-order model. A follows your annual list; B reverses that same list. Each annual return happens before the year-end withdrawal. Unfunded spending stays visible after depletion. No tax, pension, probability model or withdrawal recommendation is included.
Both paths compound to 0.00% a year before withdrawals. This is not an expected future return.
| Measure | Entered | Reversed |
|---|---|---|
| Ending balance | $77,500 | $82,000 |
| Withdrawals funded | $20,000 | $20,000 |
| Unfunded spending | $0 | $0 |
| First depleted year | Not within this path | Not within this path |
The two paths are not confidence bounds or probabilities of success. Test different spending and time horizons with a qualified professional.
Keep the useful
conversation going.
Ask a question about the site or worksheet. This is not an application or an instruction to invest. You choose whether any calculation context is included.
Keep the conversation going.
Send the MITEY team a question about this site. This does not make an application, order a service or enrol you in a newsletter.
This review address cannot send enquiries, subscriptions or AI questions. Nothing entered here is sent.
Methods, worked examples and a guide to the next question.