RetireBlueprint Pro

Plan Confidence — Whether your plan funds the longer-lived partner for life (without running out). Your legacy goal is tracked separately. · Safe Spending — Maximum annual spend while still meeting your legacy goal. · Withdrawal Rate — what you draw from your portfolio in the selected year (the planning-style 4%-rule number lives in the FIRE panel). · Survivor Runway — Years the plan covers the longer-lived partner. · Press Cmd+Shift+R (Mac) or Ctrl+Shift+R (Windows) after saving Inputs to refresh all charts.

Income Engine

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Salary—

Social Security—

Pension—

Other Income—

Partner 2 Salary—

Total Income

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✓ Strong

Expense Engine

Smile curve · 3 phases

Base Spend / year—

Debts / year—

Extra Spend Phase 1—

Extra Spend Phase 2—

Extra Spend Phase 3—

Inflation Rate—

Inflation Risk

Monitor

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Tax Engine

MFJ · Roth window open

Effective Federal Rate—

Standard Deduction—

State Tax Rate—

Roth Conversion Savings—

SS COLA—

Roth Window

PRIME

Convert Now

Social Security

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SS / month—

SS Start—

SS / month—

SS Start—

COLA Rate—

COLA Rate

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Inflation Linked

Portfolio Engine

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Total Starting Assets—

Pre-Tax (401k)—

Roth (Tax-Free)—

Taxable / Brokerage—

HSA (Triple Tax)—

End of Year 1

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Growing

Legacy Engine

Solver-optimized

Legacy Goal—

Projected Ending Balance—

Variance—

Safety Floor—

Achievement—

Legacy Status

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Plan Health Score

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Retirement Confidence Score

You are in the SAFE ZONE

100% means your money is projected to last your whole retirement (for the longer-living spouse). Below 100% is the share of retirement years covered before it runs out — a measure of whether the money lasts, separate from your legacy goal.

Required Spending — What You Must Cover

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/yr · —/mo

current plan year

Item	Annual	Monthly

Where Withdrawals Come From

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total draw · —

portfolio withdrawal by account

Account	Withdrawal	% of draw

Survivor Runway

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Household Income This Year

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Total guaranteed income

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Tax Efficiency

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Effective federal rate · MFJ

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Withdrawal Rate

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Portfolio draw · typical retirement year

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Legacy Goal

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Projected ending liquid assets

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Plan Milestones & Lifetime Numbers

Portfolio Peaks

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First Portfolio Draw

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RMDs Begin

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Lifetime Taxes

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Plan Low Point

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Income Replaced

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Stress Test — Sequence of Returns Risk

Try this: Change your Phase 1 spending or SS start date in Inputs, save, then refresh to see how it affects these numbers. The goal: keep all 4 scenarios showing ✅.

Base Scenario

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Normal market returns

Year 1 Down 20%

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Mild bear market

Year 1 Down 30%

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Severe bear market

High Inflation (5%)

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vs base 3% inflation

Portfolio Sustainability

Total end-of-year liquid assets

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Tax Bucket Evolution

Pre-Tax vs Roth vs Taxable over time

Pre-Tax heavy today — Roth conversion saves taxes long-term

Household Income Bridge

Salary → Social Security + Pension

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Plan Intelligence

Sequence RiskLow

Longevity CoverageCovered

Healthcare Inflation—

Inflation ImpactMonitor

Roth Conversion WindowPRIME

Social Security Strategy—

Legacy Goal—

Survivor PlanFunded

Roth Conversion Savings

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Converting now vs. waiting

Smile Curve Spending Plan

Phase 1 boost · Phase 2 base · Phase 3 reduction

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Survivor Plan

Joint plan → Survivor plan

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Account Mix Over Time

Tax Efficiency Over Time

Withdrawal Strategy

Plan Completion Score

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