Does the money last?
Step 4 · spend-down
5 of 5
Does the money last?
Four ways to draw down, one verdict each. Open the working to audit every assumption, replay three scenarios, and see how the verdict was derived.
Is the plan feasible?
Each method simulated on the same lifetime income and expenses, drawing down from age 65. Feasible means viable under at least one method.
Feasible
Steady at 4%
Best worst-year outcome across viable methods. 1 of 4 methods viable.
Method settings
Tune the selected method; every verdict above recomputes.
4%
Viability requires ending with at least $100,000 (spend-all is designed to reach zero; other methods keep a buffer).
Projected net worth · Steady at 4%
Spendable pool across modelled market scenarios.
Every assumption, three replayable scenarios, and how 500 paths became one verdict.