Type your retirement plan. See if the money lasts.
Describe your savings, spending and retirement age in a few sentences. Plan Mirror turns it into a year-by-year projection, then tests it against the worst stretches of market history.
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- Stress-tested against real markets. Replays your plan through historical market sequences and Monte Carlo simulations.
- Instant what-ifs. Drag a slider to see what higher spending or lower returns do to your plan.
- Every number is yours to check. Each assumption links back to what you said, and the full model exports to Excel.
- Private to your account. Encrypted, and never sold or used for ads.
You type
We're 58 and 56 with $1.85M saved. Retire at 62, spend $110k a year?
You get a projection, plus two stress cases
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Start one, then describe your situation in plain English. Confirm the required numbers to calculate, then add optional details to refine your estimate.
Plan Details
These numbers come from your details or assumptions offered for your review. Confirm each one, or choose Edit to change it.
Still needed to calculate your plan
Numbers we'll use
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What this calculation covers
Calculation assumptions and limits
These are modeling assumptions, not confirmed personal facts. Change them in the conversation or edit your numbers above.
Confirm a few details to see your projection
Improve your plan
Optional refinements can make your estimate more useful. Select an item to discuss it.
Your projection appears here once you confirm your inputs and calculate.
Plan Mirror is a modeling tool, not personalized financial, tax, investment, or legal advice. Nothing here is a recommendation to buy, sell, or hold any security, fund, or specific account allocation — it shows what your own stated numbers project under your inputs and the disclosed modeling assumptions. Review results with your own judgment, or a licensed professional, before acting on them.
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What if
Drag to see how spending and returns move the projection. Your plan isn't changed.
Plan basics
- Starting portfolio
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- Awaiting confirmation
- Retirement year
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- Awaiting target year
- Years before guaranteed income
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- Retirement to guaranteed income
- Annual spending
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- Awaiting spending
- Household
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- Awaiting profile
Milestones
What happens and when: your own dates, what the projection shows, and standard US rules that depend on your age.
Your plan: path to retirement
Key portfolio milestones and cash flow between now and retirement.
Baseline calculation, rounded to whole dollars. The year-by-year table below also offers comparison scenarios.
Withdrawal strategy
| Strategy | Ending balance | First shortfall | Federal tax | State tax | Local tax |
|---|
Both strategies spend the same amount after taxes, so the differences come from taxes alone. Taxes are lifetime totals in nominal dollars, so tax paid early counts the same as tax paid late; the ending balance shows the net effect. A comparison of modeled strategies, not a recommendation.
Year by year Every year of the projection in nominal dollars, straight from the calculation engine. For formulas you can audit, download the Excel workbook. A projection of your stated numbers, not financial advice or a recommendation.
More columns are available. Scroll sideways, use the arrow buttons, or focus the table and press the arrow keys.
| Year | Starting balance | Spending | Guaranteed income | From portfolio | Unfunded | Ending balance |
|---|