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Final end balance based on the Average % Growth values entered in the % Growth column for each account Trajectory End Balance
Final end balance based on last Progress entered Progress End Balance
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Metrics for
Annual Cashflow:
Monthly Cashflow:
Monthly Expenses:
Savings Rate:
Debt at Year-End:
Annual Gains:
Annual Taxes:
Income Tax Rate:
4% Spending:
Monthly Contributions Made:
Progress Growth (year-to-date):
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Rels Income Name Annual
Amount
% Tax Growth
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Start Age End Age X retirement calculator exclusion nameObject itemProperties
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ID Rels Name / Group Amount Spending Type Growth
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Start Age End Age X Expense Group nameObject itemProperties
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ID Rels Account Name % Growth Starting Balance Contrib. / yr. % Tax Start Age End Age X contribJSON taxJSON nameObjectJSON itemPropertiesJSON Calculated Balance Actual Balance Update Account Progress

Portfolio Mix: Defines the percentage of each investment type in your portfolio for Monte Carlo (Historical Input Data) and all Historical analyses. Annual return data is taken from a variety of sources:

  • Stocks data - based on S&P 500 Index and MSCI US Broad Market Index,
  • Bonds data - based on S&P High-Grade Corporate Index and Lehman Aggregate Bond Index,
  • Cash data - based on Citigroup 3-Month Treasury Bill Index.
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Monte Carlo Simulation — Historical Input Data:
For each year in your Trajectory, a set of growth/inflation rates is randomly chosen based either on the defined years (Historical Input Data) or define parameters (Parameterized Input Data). The process is repeated multiple times based on the "Total Runs" value.

Historical Simulation:
For each year in your Trajectory, historical return rates are used beginning with 1928, by default. For example, if your Trajectory spans a 50-year period, returns from 1928 to 1978 are used. The process is repeated for each year there is data, meaning we also simulate 1929-1979, 1930-1980, 1931-1981, etc...

The following results are then displayed:

  • All runs of your Trajectory using the historical values.
  • A thick yellow line that represents the particular historical run that begins with the designated Start Year.
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Single Married

Analysis Settings apply only to Historical / Monte Carlo Analysis which are run through the Views menu located in the top toolbar. For more information, see Guide 9. Monte Carlo & Historical Analysis

Savings, Debt & Inflation Options
U.S. Retirement Plan Rules
Drawdown Options
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Non-Centralized Tax Rates:
Taxes set on each Income/Account item individually.

NOTE: This option is NOT typically used.
isMarried?
From 0 to 9525: 10%
From 0 to 9525: 12%
From 0 to 9525: 22%
From 0 to 9525: 24%
From 0 to 9525: 32%
From 0 to 9525: 35%
From 0 to 9525: 37%
isMarried?
From 0 to 38600: 0%
From 0 to 38600: 15%
From 0 to 38600: 20%
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                You currently save about
                $0 per Month, aftertaxes.

                powered by
                inputComment0
                inputComment1
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                Total Savings: $2,222
                Net Income: $8,888
                Savings Rate: 22.2%
                inputComment10
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                Savings Rate: ?.?%
                Expenses x 25 = My FI Number: $??
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                Savings Rate: ?.?%
                My FI Number: $?.?
                Years to FI: ?.?
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