by EazyBudget
Three real-world retirement scenarios — see exactly what your dashboard will look like
Robert (65) & Jennifer (63) — retiring from long Chicago careers, two rental properties, federal pension, aggressive Roth conversions filling the 24% bracket to cut future RMDs.
Scenario Highlights
Retirement Health
Outstanding — far outlasts plan horizon
Annual Spending Target
$180K
Gross household spend
Starting Portfolio
$5.0M
As of 2025
Min Portfolio Balance
$5.1M
Lowest point: 2025
Ending Balance
$20.8M
Age 100 in 2060
Year 1 Portfolio Draw
$135K
After all income sources
Income After Both SS
$189K
In 2030
Draw After Both SS
$67K
Portfolio draw needed
Projection Status
Fully Funded
Through 2060
| Phase | Year | Annual Income | Portfolio Draw | Portfolio Balance |
|---|---|---|---|---|
| Year 1(65/63) | 2025 | $108K | $135K | $5.1M |
| Year 2(66/64) | 2026 | $110K | $140K | $5.3M |
| Year 3(67/65) | 2027 | $112K | $123K | $5.5M |
| Year 5(69/67) | 2029 | $144K | $105K | $5.9M |
| Year 9(73/71) | 2033 | $201K | $28K | $7.1M |
| Year 13(77/75) | 2037 | $134K | $122K | $8.5M |
| Year 21(85/83) | 2045 | $123K | $196K | $12.1M |
| Year 31(95/93) | 2055 | $150K | $276K | $17.4M |
Taxable / Brokerage
$1.8M
36% of total
Pre-Tax (401k / IRA)
$2.4M
48% of total
Roth IRA / Roth 401k
$800K
16% of total
Planning estimates only — not tax, investment, or legal advice. Real estate depreciation recapture, passive-loss carryforwards, state taxes, and Medicare IRMAA should be reviewed by a CPA.
Detailed annual income, spending & balances
Conversion strategy & lifetime tax savings
Recommendations & 5-year action plan
Monte Carlo & market shock scenarios
Property values, cash flow & sale planning
Track what actually happened each year
Tweak any variable and see outcomes live
Optimize your claiming age for lifetime income
360 Retirement builds your complete financial picture in minutes — income, spending, taxes, real estate, debts, and Monte Carlo stress tests. Free to get started.