Separate essential and discretionary spending, identify income that does not require portfolio sales, and examine the pressure placed on investments and liquid reserves.
Annual income structure
Use consistent before-tax or after-tax amounts. Mixing the two will distort the comparison. Entries stay in this browser and are not transmitted.
Context—not included in the calculation
Educational use only
This framework provides arithmetic, not retirement, investment, Social Security, tax, or legal advice. It does not determine whether a withdrawal rate is sustainable or appropriate. Verify assumptions and current rules with qualified professionals and authoritative sources.
