Retirement What‑Ifs — Multi-account + RMD + CSV

Inputs

Current age

Target retirement age

Plan through age

Bank starting balance

USD

Bank annual contribution

USD/yr

Bank nominal return %

% (default 3%)

Brokerage starting balance

USD

Brokerage annual contribution

USD/yr

Brokerage nominal return %

%

Traditional IRA starting balance

USD

Traditional IRA annual contribution

USD/yr

Traditional IRA nominal return %

%

Roth IRA starting balance

USD

Roth IRA annual contribution

USD/yr

Roth IRA nominal return %

%

Annual spending (today's $)

USD/yr

Spending inflation %

% (apply to spending)

Social Security monthly benefit (today's $)

USD/mo

Social Security start age

Social Security COLA %

%

RMD start age

Results

Depletion age

Not depleted

Balance at undefined

$1,002,017

Years simulated

38

Year	Age	Spending Target	SS Income	RMD Required	RMD Excess	Withdrawals	Growth	Bank End	Brokerage End	Trad End	Roth End	Total End
0	58	$0	$0	$0	$0	$0	$65,800	$20,600	$152,250	$820,050	$396,900	$1,389,800
1	59	$0	$0	$0	$0	$0	$69,978	$21,218	$159,863	$879,953	$416,745	$1,477,778
2	60	$0	$0	$0	$0	$0	$74,365	$21,855	$167,856	$942,850	$437,582	$1,570,143
3	61	$0	$0	$0	$0	$0	$78,970	$22,510	$176,248	$1,008,893	$459,461	$1,667,113
4	62	$0	$0	$0	$0	$0	$83,805	$23,185	$185,061	$1,078,237	$482,434	$1,768,918
5	63	$0	$0	$0	$0	$0	$88,882	$23,881	$194,314	$1,151,049	$506,556	$1,875,800
6	64	$0	$0	$0	$0	$0	$94,212	$24,597	$204,030	$1,227,502	$531,884	$1,988,013
7	65	$109,359	$0	$0	$0	$109,359	$93,933	$0	$125,231	$1,288,877	$558,478	$1,972,586
8	66	$112,093	$0	$0	$0	$112,093	$93,025	$0	$13,795	$1,353,320	$586,402	$1,953,518
9	67	$114,895	$36,000	$0	$0	$78,895	$93,731	$0	$0	$1,352,631	$615,722	$1,968,353
10	68	$117,768	$36,720	$0	$0	$81,048	$94,365	$0	$0	$1,335,163	$646,508	$1,981,671
11	69	$120,712	$37,454	$0	$0	$83,258	$94,921	$0	$0	$1,314,500	$678,834	$1,993,334
12	70	$123,730	$38,203	$0	$0	$85,526	$95,390	$0	$0	$1,290,423	$712,775	$2,003,198
13	71	$126,823	$38,968	$0	$0	$87,855	$95,767	$0	$0	$1,262,696	$748,414	$2,011,110
14	72	$129,994	$39,747	$0	$0	$90,247	$96,043	$0	$0	$1,231,071	$785,835	$2,016,906
15	73	$133,243	$40,542	$0	$0	$92,702	$96,210	$0	$0	$1,195,288	$825,127	$2,020,415
16	74	$136,575	$41,353	$0	$0	$95,222	$96,260	$0	$0	$1,155,070	$866,383	$2,021,453
17	75	$139,989	$42,180	$50,440	$0	$97,809	$96,182	$0	$0	$1,110,124	$909,702	$2,019,826
18	76	$143,489	$43,023	$50,460	$0	$100,465	$95,968	$0	$0	$1,060,141	$955,187	$2,015,329
19	77	$147,076	$43,884	$50,007	$0	$103,192	$95,607	$0	$0	$1,004,797	$1,002,947	$2,007,743
20	78	$150,753	$44,761	$49,497	$0	$105,991	$95,088	$0	$0	$943,746	$1,053,094	$1,996,840
21	79	$154,522	$45,657	$48,397	$0	$108,865	$94,399	$0	$0	$876,625	$1,105,749	$1,982,374
22	80	$158,385	$46,570	$46,878	$0	$111,815	$93,528	$0	$0	$803,051	$1,161,036	$1,964,087
23	81	$162,344	$47,501	$44,863	$0	$114,843	$92,462	$0	$0	$722,618	$1,219,088	$1,941,706
24	82	$166,403	$48,451	$42,258	$0	$117,952	$91,188	$0	$0	$634,900	$1,280,042	$1,914,942
25	83	$170,563	$49,420	$38,951	$0	$121,143	$89,690	$0	$0	$539,446	$1,344,044	$1,883,490
26	84	$174,827	$50,409	$34,803	$0	$124,418	$87,954	$0	$0	$435,779	$1,411,246	$1,847,025
27	85	$179,198	$51,417	$29,445	$0	$127,781	$85,962	$0	$0	$323,398	$1,481,809	$1,805,207
28	86	$183,678	$52,445	$22,936	$0	$131,232	$83,699	$0	$0	$201,774	$1,555,899	$1,757,673
29	87	$188,269	$53,494	$15,058	$0	$134,775	$81,145	$0	$0	$70,348	$1,633,694	$1,704,043
30	88	$192,976	$54,564	$5,539	$0	$138,412	$78,282	$0	$0	$0	$1,643,912	$1,643,912
31	89	$197,801	$55,655	$0	$0	$142,145	$75,088	$0	$0	$0	$1,576,855	$1,576,855
32	90	$202,746	$56,768	$0	$0	$145,977	$71,544	$0	$0	$0	$1,502,421	$1,502,421
33	91	$207,814	$57,904	$0	$0	$149,911	$67,626	$0	$0	$0	$1,420,136	$1,420,136
34	92	$213,010	$59,062	$0	$0	$153,948	$63,309	$0	$0	$0	$1,329,498	$1,329,498
35	93	$218,335	$60,243	$0	$0	$158,092	$58,570	$0	$0	$0	$1,229,977	$1,229,977
36	94	$223,793	$61,448	$0	$0	$162,345	$53,382	$0	$0	$0	$1,121,013	$1,121,013
37	95	$229,388	$62,677	$0	$0	$166,711	$47,715	$0	$0	$0	$1,002,017	$1,002,017