What goes out, and when?
Step 3 · lifetime expenses
4 of 5
What goes out, and when?
Spending across the whole timeline, mortgage included. The crossover with income is where the plan starts drawing down.
Spending vs income, for life
Today's dollars, mortgage included until payoff. The marked age is where spending first exceeds income — the spend-down step starts there.
Annual spend
$80,000
Lifetime total
$4,480,000
Drawdown from
age 65
How much do you spend?
A monthly headline is sufficient. Categories add precision — and let the smile preset move only the flexible share.
About /mo ($0/yr).
Retiree spending smile
Optional. Spending often runs above plan early, dips in the quiet middle years, and rises late with care costs. Off unless enabled.
Crossover found. Next: simulate every withdrawal method against these timelines.
Test the spend-down →