The year-by-year table
Last updated November 3, 2026
The table lists every line item for every age of the plan: income, withdrawals, tax and balances. It shows one simulated retirement at a time.
The toggle picks which simulated retirement you're reading: conservative, median or optimistic. Each one is a single retirement from the 5,000, not a smoothed average. Switching between them shows how differently one plan behaves with different market luck.
It covers the whole plan, not only retirement. You can follow a balance from today through to the end.
A year where the balance reaches zero is a depleted year. After that, the retirement lives on guaranteed income alone, such as Social Security, a pension or anything else that keeps arriving. Depleted years are common in the conservative retirement. In the median one, they mean your savings run out even with middling market luck.