No Paycheck Plan
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No Paycheck Plan

Build your real monthly budget, then see what it means for retiring at 62 versus 70 — and which accounts you'd actually draw from along the way. No account. Your entries stay on this device.

Your entries are saved automatically in this browser only — never sent anywhere.

Income

Enter your actual SSA-quoted amounts at 62, full retirement age, and 70. Ages in between are estimated by interpolating between the two nearest figures.

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Find these three figures on your SSA statement.

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▶ Other income work, side hustle, selling stuff $0/mo

Expenses

Click a category to expand it.

Total monthly expenses $0/mo

Where the money comes from

Monthly income by source as you age, given the withdrawal order below. Hover over the chart for the exact breakdown at any age.

Investments IRA / 401(k) Social Security Pension / other income

Savings & assumptions

The variables behind the math.

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These are flat, simplified estimates, not real tax-bracket math — set either to 0 to ignore taxes entirely. See the FAQ for what this does and doesn't account for.

If you claim Social Security at…

Drag to compare ages 62 through 70

65 years old
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Social Security
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Sustainable draw (4% rule)
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Total monthly income (sustainable)
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Total Social Security, over your lifetime
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Savings runway, drawing whatever the budget actually needs
What this does and doesn't account for
  • Social Security uses the exact figures you enter for ages 62, 67, and 70. Ages in between are estimated by linear interpolation between the two nearest figures you provided.
  • The runway and chart model which account is drawn down first — a real tax-efficiency lever your advisor may recommend. Withdrawals are also reduced by the flat tax rates you enter above (default 15% IRA / 15% investments) as a rough estimate of taxes on distributions — this is not real tax-bracket math. Your actual rate depends on your total income, filing status, state, and current tax law. Confirm real numbers with a tax professional or financial advisor before making decisions.
  • The verdict box, runway bar, chart, and projected leftover balance are all driven by the same real simulation of your actual budget — none of them ever assume you spend more than your expenses require. The "Sustainable draw" stat card and the small reference note beneath the stats are different: they compare your budget to a separate reference rate (a conservative 4% rule by default, or the true maximum your accounts could support if you check "compare to max sustainable spending") purely for context. That reference can occasionally disagree with the verdict — the 4% rule is deliberately conservative and can suggest a "shortfall" even when the real simulation shows your spending is fully covered with money left over — but the verdict box is always the accurate answer to "will my money last."
  • All figures are in today's dollars — your return rate should already be net of inflation.
  • Does not model Medicare/health premiums, required minimum distributions (RMDs), or market volatility (sequence-of-returns risk).
  • This is a planning sketch, not financial or tax advice.

FAQ & limitations

View the full FAQ page →

Is this financial, tax, or legal advice?
No. This is a directional planning tool meant to help you think through tradeoffs — it is not a substitute for advice from a licensed financial advisor, CPA, or attorney who knows your full situation.
Why might my real numbers differ from what this shows?
Everyone's tax bracket, filing status, state taxes, healthcare costs, and account rules are different. This tool doesn't calculate actual taxes owed — it only models the order in which accounts are drawn down, which is one piece of a much bigger picture.
Is my data saved anywhere?
It's saved locally in your own browser's storage (not a cookie, and never sent to a server) so you can return later and keep editing. We never see it or store a copy ourselves. Use "Clear my data" at the top of the page anytime to remove it, or clear this site's data in your browser settings.
What does this tool not account for?
It applies a flat, simplified tax rate you set (default 15% IRA / 15% investments) to withdrawals — but this is not real tax-bracket math. It still doesn't account for your actual marginal tax rate, filing status, state taxes, Medicare or health insurance premiums, required minimum distributions (RMDs), market volatility and sequence-of-returns risk, or changes to Social Security law. Confirm real numbers with a tax professional.
Should I make retirement decisions based on this?
Use it to explore scenarios and questions to bring to a professional — not as the final word. Small changes in assumptions (return rate, life expectancy, expenses) can meaningfully change the results.