Retirement Simulator — Smart Advisor
Two-screen flow: set your data, then play in the playground. Link to SSA shown where appropriate.
1) Your data
Enter demographics, assets, tax assumptions and any known Social Security benefit.
Run simulation → Playground
Save (local)
Birthdate (month & year)
Planned retirement age
Life expectancy
Discount rate (annual %)
Default FRA (yrs)
Desired monthly income (after-tax)
Marginal ordinary tax rate (%)
Assumed LTCG tax rate (%)
Assets (enter each account)
Label
Value
Growth %
Avail Age
Type
Cost Basis
Vol %
+ Add asset
Load demo
Export CSV
Per-asset withdrawals (optional - overrides baseline)
Manual withdrawals will be taken first for each year; if left blank the simulator uses the strategy preset / custom mix.
Other incomes
+ Add other income
Clear
Pensions, rental income, annuities, etc. Enter monthly amounts and optional end age.
Social Security (optional)
If you know your SSA monthly benefit, enter it. Otherwise the app uses the default average FRA benefit $1,963/month @ FRA 67.
Known SSA monthly (optional)
Claim age (manual)
Lookup on SSA.gov
Quick controls
Run simulation (stay)
Quick Optimize (fast)
Optimization does a quick grid search (fast). Use the Playground to explore results and apply.
2) Playground
Play with SS timing, desired income, and withdrawal strategies. Compare your scenario with the optimizer's recommended plan.
Back to setup
Apply Optimal Plan
Social Security claim age (62–70)
66
yrs —
Desired monthly income (after-tax)
Desired:
$5000
Monte Carlo (off by default)
Enable
MC runs
Withdrawal Strategy Presets
Tax-Efficient Order
Even Mix
Roth-First
Custom
Preset summary will appear here.
Custom mix (percentages will normalize to 100%)
Taxable %
30%
Taxable
Traditional %
50%
Traditional
Roth %
20%
Roth
Income Chart — desired vs actual
Tooltips show breakdown of income sources for each age.
Optimization summary
No optimization run yet.
Optimize (fast grid)
Compare optimized vs custom
Tax summary
Total taxes (cum):
$0
Cumulative Assets — per-account lines + total