Step 3 of 15
Safe Spending Limit
MyPlanner
Determine a tax-aware annual spending level based on your current resources to ensure your portfolio lasts.
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Your Resources
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Combined household income used for savings projection and SS estimate.
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⚙️ Advanced Assumptions
3% Conservative20% Aggressive
0% None6% High
2% Very Conservative7% Aggressive
Higher rate = more annual income but greater risk of depletion.
0% No Growth5% Fast Growth
Annual increase in household income until retirement.
Your Spending Plan
Check if your resources support your desired lifestyle and find your safe spending boundaries.
📖 Methodology & Guidance
Inputs: Total investable assets, expected annual guaranteed income (SS/Pension), and your desired safe withdrawal rate constraint.
Outputs: Calculates your absolute maximum safe annual spending limit to ensure you do not outlive your portfolio over a 30-year retirement.
How to use: Use this spending ceiling as your target when you move on to the Annual Budget tool.