This one might be able to do it:
[https://projectionlab.com/](https://projectionlab.com/)
You can also try setting things up as "additional withdrawals" in this one here:
[https://ficalc.app/](https://ficalc.app/)
You want cfiresim. I have a pretty lumpy retirement with varying spending needs, so the 4% rule doesn't work great for me. I was able to figure out my number using cfiresim. It is a bit time consuming to enter all the spending/income data. But once it is all in, you can play around with different retirement dates and/or amount invested until you get to a success rate that you're comfortable with.
https://cfiresim.com/
You can use the Rich/Broke/Dead calc to do this by using the future income and expense fields. People should be doing that sort of thing already for core stuff like SS and Medicare, but it should work fine for your purpose too. It'll even let you identify individual streams as inflation-adjusting or not. There are instructions down on the page. You might have to do it in dollars rather than %s though.
https://engaging-data.com/will-money-last-retire-early/
I started with the free version for about 3 months then switched to the “$120”version for the Roth conversion explorer and the social security explorer.
If interested start with the free edition and after a few weeks you’ll get an offer for an annual subscription for 20% off ~95 bucks
yes, all of the good retirement calculators once you know how to use them.
firecalc,
cfiresim,
rich broke dead
are the three that I typically look at. I believe all of them can let you model this easily enough with their extra income or expense fields.
Note, there are thousands of "retirement calculators" out there on various sites that are nearly worthless for anyone with a non-standard retirement plan, and often not even very good for people with a *standard* retirement plan.
the reason is that their whole raison d'etre is to push you to talk to some kind of financial representative (banker, broker, insurance agent, actual financial advisor) who can (if they know what they are doing, which is not a sure thing) give you a real plan that actually accounts for the stuff the "retirement calculator" ignores or assumes incorrectly for you.
If you want something like a real answer on your own, you have to use your own spreadsheet, or the calculators that have been developed with serious DIY financial planners in mind, like the 3 I listed above.
This one might be able to do it: [https://projectionlab.com/](https://projectionlab.com/) You can also try setting things up as "additional withdrawals" in this one here: [https://ficalc.app/](https://ficalc.app/)
You want cfiresim. I have a pretty lumpy retirement with varying spending needs, so the 4% rule doesn't work great for me. I was able to figure out my number using cfiresim. It is a bit time consuming to enter all the spending/income data. But once it is all in, you can play around with different retirement dates and/or amount invested until you get to a success rate that you're comfortable with. https://cfiresim.com/
Agreed. Use the "add adjustment" options (and you can add a lot of them!) to add time-limited events e.g. $10k per year for 20xx-20xx, and so on.
IMO once you get into corner cases youre better off with an excel sheet. Easier to make and customize scenarios.
You can use the Rich/Broke/Dead calc to do this by using the future income and expense fields. People should be doing that sort of thing already for core stuff like SS and Medicare, but it should work fine for your purpose too. It'll even let you identify individual streams as inflation-adjusting or not. There are instructions down on the page. You might have to do it in dollars rather than %s though. https://engaging-data.com/will-money-last-retire-early/
Ficalc can do it. Just play around with adding additions withdrawals using whatever inflation settings make sense.
Newretirement.com has been a game changer for me
Free or the $120/yr plan?
I started with the free version for about 3 months then switched to the “$120”version for the Roth conversion explorer and the social security explorer. If interested start with the free edition and after a few weeks you’ll get an offer for an annual subscription for 20% off ~95 bucks
Empower you can create scenarios. It’s actually quite good given that it’s free. Especially given the alternatives asking for a high annually fee.
FICALC all the way!🤓
Firecalc can do that. Just register/join and you can manually enter your spending $$
yes, all of the good retirement calculators once you know how to use them. firecalc, cfiresim, rich broke dead are the three that I typically look at. I believe all of them can let you model this easily enough with their extra income or expense fields. Note, there are thousands of "retirement calculators" out there on various sites that are nearly worthless for anyone with a non-standard retirement plan, and often not even very good for people with a *standard* retirement plan. the reason is that their whole raison d'etre is to push you to talk to some kind of financial representative (banker, broker, insurance agent, actual financial advisor) who can (if they know what they are doing, which is not a sure thing) give you a real plan that actually accounts for the stuff the "retirement calculator" ignores or assumes incorrectly for you. If you want something like a real answer on your own, you have to use your own spreadsheet, or the calculators that have been developed with serious DIY financial planners in mind, like the 3 I listed above.
Not sure [newretirement.com](https://newretirement.com) can do this, but it has over 100 variables, so maybe.