Retirement Portfolio Planner
Enter your current savings, expected monthly spending, and how long you expect your retirement to last. The tool comp...
What Retirement Portfolio Planner does
The Retirement Portfolio Planner at FIRE Decision Lab helps users evaluate different paths toward financial independence by testing their savings against three selected investment strategies. By entering current savings, expected monthly spending, and the number of years retirement savings must last, the tool compares the portfolio against 23 different tested and validated investment approaches. The result shows what your portfolio could be worth at retirement and the starting withdrawal rate in today's dollars, allowing you to see the trade-offs, risks, and realistic outcomes of each strategy before deciding which path suits your situation.
How to use the FIRE Decision Lab Retirement Portfolio Planner
- 1
Enter your current savings amount in the designated field
- 2
Input your expected monthly spending amount in today's dollars
- 3
Specify how many years the money must last using the year selector
- 4
Replace the example numbers and press "Show my three portfolio matches" to see the comparison
- 5
Review the three presented portfolio strategies and their associated withdrawal rates and risk profiles
Best for
This option suits individuals planning early retirement or financial independence who want to compare concrete, historically-tested portfolio strategies without creating an account or sharing personal data.
Limitations
- Results are based on aggregate historical market tests, not future forecasts
- No unit switching available beyond the preset year options
- Anonymous traffic records never contain your numbers, but signed-in saving requires account creation
Retirement Portfolio Planner FAQ
- Do I need to create an account to use the Retirement Portfolio Planner?
- No account is required to use the tool; your figures and saved choice stay in your browser unless you choose signed-in saving.
- What do the three portfolio matches actually show?
- The three matches present different investment strategies selected from 23 tested approaches, each showing starting withdrawal rates and how your portfolio would perform across various market paths from 20 to 100 years.
- How are the investment strategies tested in the tool?
- Each strategy uses direct fund history for what it owns, with SPY histories beginning in 1993 or 1994, QQQ in 1999 or 2000, and SMH in 2000 or 2001. Tests exclude personal tax and charge a 0.10% fee when assets are moved.
- Can I test retirement periods longer than the available fund history?
- Yes, one test repeats a strategy's direct record in order when the retirement is longer than the record, while other tests link 8-, 10-, and 12-year pieces of that same record into 5,000 paths to extend the analysis.
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