For retirees 5 years out (or less)

Two retirees. Same savings. One runs out at 78.

The difference isn't their plan. It's when the market drops. See in 5 minutes whether your retirement survives a bad first five years, or if you're quietly exposed.

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500-run Monte Carlo Fiduciary advisor Nothing to install 25 years in practice

The problem nobody tells you about

Same average return. Different order. $600K gap.

If markets drop in years 1 to 5 of retirement, you're selling shares at a loss to pay bills. Those shares don't come back. It's called sequence-of-returns risk, and most calculators ignore it completely.

$2M $1M $500K $0 Good first 5 years: $1.8M at 90 Bad first 5 years: broke at 78 the danger zone 65 72 78 84 90

Based on a $1M portfolio, $60K/year withdrawal, 7% average return in both scenarios. Only the sequence of years differs.

Find your number.

Takes five minutes. No email. No one calls you.

Run my stress test →
Run my stress test →
Free · 5 min · no email required