Will the portfolio outlive the spending plan?
We compound your savings to retirement, then withdraw inflated annual spending each year. The shape of the curve tells you whether the plan holds.
Built and reviewed by Stephen Omukoko Okoth
Mathematical Economist · ex-Morgan Stanley FI · Equilar
Inputs
Today and the runway
Inputs
Saving phase
Inputs
Spending plan
Verdict
Portfolio runs dry in year 17 of retirement.
You are short by KSh 1.72M per year at start of retirement.
We grow your savings until retirement, then withdraw your annual spending each year, inflated yearly. The portfolio earns the post-retirement return on whatever is left.
At retirement
The number you arrive with
Portfolio at age 60
KSh 60.80M
After 25 years of compounding
What you'll need year 1
KSh 4.06M
Today's spending, inflated
Sustainable real spend
KSh 2.34M
Level real spending across 30 years
Margin of safety
-42.4%
Trajectory