Model accumulation and drawdown across every account type — in both actual statement dollars and inflation-adjusted purchasing power. Adjust any input and the projection updates live.
For retiring before 59½. Enter your annual spending and this plans how to fund the gap years — which account to tap, in what order, starting when — with the least penalty and tax. Leave the strategy on Auto and it picks the best one for you. These dollar inputs are separate from the withdrawal-rate slider above (two lenses, not added together). Traditional (65) retirees can ignore this.
NOMINAL = actual dollars on your statement | TODAY'S $ = real purchasing power after the inflation deflator. Withdrawals grow with inflation each year so real monthly income stays flat.
For illustration only — not financial or tax advice. SEPP / 72(t), Roth conversion strategy, and Rule-of-55 eligibility carry real penalties for getting wrong — confirm with a professional. Returns, inflation, tax brackets, and life expectancy are labeled assumptions, not guarantees.