Cash Flow — Retirement Planner

⚠ No Boldin data loaded. Upload your Boldin planner_summary CSV on the Monte Carlo page to use actual plan data. Currently showing parametric estimates.

Projection Inputs

Starting Portfolio 2028 ($)

Annual Portfolio Return (%/yr)

Dividend/Interest Yield (% of portfolio)

Courtney SS Monthly at FRA ($)

Scott SS Monthly at Age 70 ($)

SS COLA (%/yr)

Annual Expenses 2028 ($)

Expense Inflation (%/yr)

Apply SS 77% trust-fund haircut

ACA MAGI Withdrawal Mix — affects MAGI estimate only (2028–2050 ACA window)

Port Draw from Roth IRA (%)

Port Draw from Taxable / Miller Stock (%)

Port Draw from Traditional IRA (%)

Taxable Draw: % that is LTCG (vs. basis return)

MAGI = Dividends + (Trad% × Port Draw) + (Taxable% × Port Draw × LTCG%). Roth draws = $0 MAGI. Miller Stock basis return = $0 MAGI.

Year-by-Year Projection (2028–2079)

Year	Age	Expenses	Dividends	SS Income	Port Draw	Port Balance	Est. MAGI	Cliff Room	Phase

ACA MAGI Analysis (2028–2050 ACA window)

Summary Metrics

VPW Dynamic Withdrawal Guide (Bogleheads Variable Percentage Withdrawal)

Each year, withdraw portfolio × VPW%. Rate rises with age as remaining horizon shortens — so you spend more later without risk of running out. VPW = PMT(realReturn, yearsToHorizon, portfolio). Uses age 100 planning horizon; real return = Portfolio Return − Expense Inflation (from inputs above).

Year	Scott Age	Est. Portfolio	VPW Rate	VPW Annual Withdrawal	Plan Draw	VPW vs Plan

How to use: VPW > Plan Draw means you could spend more. VPW < Plan Draw is a warning — consider reducing withdrawals. VPW adjusts each year to actual portfolio value, so the table below updates automatically with your inputs.

Income Waterfall Chart

Dividends

SS Income

Portfolio Draw

Expenses

Key Insights

Annual Income & Cash Flow Projection