The headline answer, the retirement-year grid, trying changes, and the panels underneath.
The top of the overview answers When can we retire? in a sentence, with the probability of success beside it. Underneath, it tells you what one more year of work would do, what retiring now would do, the earliest year that reaches your target, and how much more you could spend (or would need to cut) to land exactly on the target. The target starts at 80% and is changed on Plan settings.
Yellow-edged notes say what the score doesn’t include yet, or what it’s sensitive to. For example, spending not yet broken into categories, a scenario using a flat tax instead of the real calculation, a scenario saved from the stress tests, or what the score would be with more cautious market returns. Each has a link to the page where you fix it.
Six boxes: net worth; spending in the first retired year; that spending as a share of your investments (the withdrawal rate; 4% is the classic rule of thumb); what’s left in the median future at the end of the plan; the year the money runs out in the worst tenth of futures; and the score if markets fall 35% in the year Bradley retires.
Each column is a year Bradley could retire; each row a level of yearly spending. The number in each square is the probability of success for that pairing. Red is lower, blue is higher, grey is about 75%, the bottom of the confidence zone. The square with the dark outline is the plan on screen.
What you do to try a square:
The Try a change panel moves the main levers: when Bradley retires, basic living up or down, plane tickets, when each of you claims Social Security, when Reynald’s pension starts, expected returns, selling the SF home (type the year in its box, then tick it), and spending guardrails. Everything recalculates as you move. Nothing is saved until you choose to.
What you do to keep a change:
Investable assets over time shows the spread of a thousand futures in today’s dollars: the line is the middle outcome, the darker band holds the middle half, the lighter band 80%. Dashed lines mark Bradley’s retirement, Medicare, Social Security, the pension and required withdrawals. The very best markets run off the top of the chart; hold the pointer over any year to read all three values.
Net worth, Current allocation and Annual savings, as MoneyGuide showed them, then Upcoming goals for the next two years and Bradley’s retirement year, and Income & milestones: retirement dates, Medicare, Social Security and pension start dates and amounts, the mortgage payoff, and when required withdrawals begin.