Scenarios
Retirement scenarios — pick your starting point
Sixty worked retirement scenarios — every cross-product of six ages (45 / 50 / 55 / 60 / 62 / 65), five savings tiers ($250K through $1.5M), and single-or-couple household. Each page runs the same 10,000-path Monte Carlo against demographic-anchored copy and a calculator preset. Find the one closest to your situation, then run your specific numbers.
Couples
Age 45 · Couple
Retire with $250,000
4% rule supports ~$833/mo from the portfolio before Social Security.
Open scenario
Age 45 · Couple
Retire with $500,000
4% rule supports ~$1,667/mo from the portfolio before Social Security.
Open scenario
Age 45 · Couple
Retire with $750,000
4% rule supports ~$2,500/mo from the portfolio before Social Security.
Open scenario
Age 45 · Couple
Retire with $1,000,000
4% rule supports ~$3,333/mo from the portfolio before Social Security.
Open scenario
Age 45 · Couple
Retire with $1.5 million
4% rule supports ~$5,000/mo from the portfolio before Social Security.
Open scenario
Age 50 · Couple
Retire with $250,000
4% rule supports ~$833/mo from the portfolio before Social Security.
Open scenario
Age 50 · Couple
Retire with $500,000
4% rule supports ~$1,667/mo from the portfolio before Social Security.
Open scenario
Age 50 · Couple
Retire with $750,000
4% rule supports ~$2,500/mo from the portfolio before Social Security.
Open scenario
Age 50 · Couple
Retire with $1,000,000
4% rule supports ~$3,333/mo from the portfolio before Social Security.
Open scenario
Age 50 · Couple
Retire with $1.5 million
4% rule supports ~$5,000/mo from the portfolio before Social Security.
Open scenario
Age 55 · Couple
Retire with $250,000
4% rule supports ~$833/mo from the portfolio before Social Security.
Open scenario
Age 55 · Couple
Retire with $500,000
4% rule supports ~$1,667/mo from the portfolio before Social Security.
Open scenario
Age 55 · Couple
Retire with $750,000
4% rule supports ~$2,500/mo from the portfolio before Social Security.
Open scenario
Age 55 · Couple
Retire with $1,000,000
4% rule supports ~$3,333/mo from the portfolio before Social Security.
Open scenario
Age 55 · Couple
Retire with $1.5 million
4% rule supports ~$5,000/mo from the portfolio before Social Security.
Open scenario
Age 60 · Couple
Retire with $250,000
4% rule supports ~$833/mo from the portfolio before Social Security.
Open scenario
Age 60 · Couple
Retire with $500,000
4% rule supports ~$1,667/mo from the portfolio before Social Security.
Open scenario
Age 60 · Couple
Retire with $750,000
4% rule supports ~$2,500/mo from the portfolio before Social Security.
Open scenario
Age 60 · Couple
Retire with $1,000,000
4% rule supports ~$3,333/mo from the portfolio before Social Security.
Open scenario
Age 60 · Couple
Retire with $1.5 million
4% rule supports ~$5,000/mo from the portfolio before Social Security.
Open scenario
Age 62 · Couple
Retire with $250,000
4% rule supports ~$833/mo from the portfolio before Social Security.
Open scenario
Age 62 · Couple
Retire with $500,000
4% rule supports ~$1,667/mo from the portfolio before Social Security.
Open scenario
Age 62 · Couple
Retire with $750,000
4% rule supports ~$2,500/mo from the portfolio before Social Security.
Open scenario
Age 62 · Couple
Retire with $1,000,000
4% rule supports ~$3,333/mo from the portfolio before Social Security.
Open scenario
Age 62 · Couple
Retire with $1.5 million
4% rule supports ~$5,000/mo from the portfolio before Social Security.
Open scenario
Age 65 · Couple
Retire with $250,000
4% rule supports ~$833/mo from the portfolio before Social Security.
Open scenario
Age 65 · Couple
Retire with $500,000
4% rule supports ~$1,667/mo from the portfolio before Social Security.
Open scenario
Age 65 · Couple
Retire with $750,000
4% rule supports ~$2,500/mo from the portfolio before Social Security.
Open scenario
Age 65 · Couple
Retire with $1,000,000
4% rule supports ~$3,333/mo from the portfolio before Social Security.
Open scenario
Age 65 · Couple
Retire with $1.5 million
4% rule supports ~$5,000/mo from the portfolio before Social Security.
Open scenario
Single retirees
Age 45 · Single
Retire with $250,000
4% rule supports ~$833/mo from the portfolio before Social Security.
Open scenario
Age 45 · Single
Retire with $500,000
4% rule supports ~$1,667/mo from the portfolio before Social Security.
Open scenario
Age 45 · Single
Retire with $750,000
4% rule supports ~$2,500/mo from the portfolio before Social Security.
Open scenario
Age 45 · Single
Retire with $1,000,000
4% rule supports ~$3,333/mo from the portfolio before Social Security.
Open scenario
Age 45 · Single
Retire with $1.5 million
4% rule supports ~$5,000/mo from the portfolio before Social Security.
Open scenario
Age 50 · Single
Retire with $250,000
4% rule supports ~$833/mo from the portfolio before Social Security.
Open scenario
Age 50 · Single
Retire with $500,000
4% rule supports ~$1,667/mo from the portfolio before Social Security.
Open scenario
Age 50 · Single
Retire with $750,000
4% rule supports ~$2,500/mo from the portfolio before Social Security.
Open scenario
Age 50 · Single
Retire with $1,000,000
4% rule supports ~$3,333/mo from the portfolio before Social Security.
Open scenario
Age 50 · Single
Retire with $1.5 million
4% rule supports ~$5,000/mo from the portfolio before Social Security.
Open scenario
Age 55 · Single
Retire with $250,000
4% rule supports ~$833/mo from the portfolio before Social Security.
Open scenario
Age 55 · Single
Retire with $500,000
4% rule supports ~$1,667/mo from the portfolio before Social Security.
Open scenario
Age 55 · Single
Retire with $750,000
4% rule supports ~$2,500/mo from the portfolio before Social Security.
Open scenario
Age 55 · Single
Retire with $1,000,000
4% rule supports ~$3,333/mo from the portfolio before Social Security.
Open scenario
Age 55 · Single
Retire with $1.5 million
4% rule supports ~$5,000/mo from the portfolio before Social Security.
Open scenario
Age 60 · Single
Retire with $250,000
4% rule supports ~$833/mo from the portfolio before Social Security.
Open scenario
Age 60 · Single
Retire with $500,000
4% rule supports ~$1,667/mo from the portfolio before Social Security.
Open scenario
Age 60 · Single
Retire with $750,000
4% rule supports ~$2,500/mo from the portfolio before Social Security.
Open scenario
Age 60 · Single
Retire with $1,000,000
4% rule supports ~$3,333/mo from the portfolio before Social Security.
Open scenario
Age 60 · Single
Retire with $1.5 million
4% rule supports ~$5,000/mo from the portfolio before Social Security.
Open scenario
Age 62 · Single
Retire with $250,000
4% rule supports ~$833/mo from the portfolio before Social Security.
Open scenario
Age 62 · Single
Retire with $500,000
4% rule supports ~$1,667/mo from the portfolio before Social Security.
Open scenario
Age 62 · Single
Retire with $750,000
4% rule supports ~$2,500/mo from the portfolio before Social Security.
Open scenario
Age 62 · Single
Retire with $1,000,000
4% rule supports ~$3,333/mo from the portfolio before Social Security.
Open scenario
Age 62 · Single
Retire with $1.5 million
4% rule supports ~$5,000/mo from the portfolio before Social Security.
Open scenario
Age 65 · Single
Retire with $250,000
4% rule supports ~$833/mo from the portfolio before Social Security.
Open scenario
Age 65 · Single
Retire with $500,000
4% rule supports ~$1,667/mo from the portfolio before Social Security.
Open scenario
Age 65 · Single
Retire with $750,000
4% rule supports ~$2,500/mo from the portfolio before Social Security.
Open scenario
Age 65 · Single
Retire with $1,000,000
4% rule supports ~$3,333/mo from the portfolio before Social Security.
Open scenario
Age 65 · Single
Retire with $1.5 million
4% rule supports ~$5,000/mo from the portfolio before Social Security.
Open scenario