Project the portfolio from today through age 90 in today's purchasing power. Returns, withdrawals, spending, and benefits are inflation-adjusted so you can compare every number on the same scale.
All amounts shown in today's dollars
Portfolio grows at the real (inflation-adjusted) return until retirement. Withdrawals start at rate × balance, then rise with inflation each year so purchasing power stays flat. Chart and totals are in today's dollars.
Two benefit streams with independent claiming ages. Enter benefits in today's dollars. Once payments start, they keep pace with inflation.
Early claiming reduces the benefit. Waiting until 70 adds delayed retirement credits. Pull estimates from ssa.gov/myaccount.
Roth withdrawals are tax-free. Only the Traditional IRA share of portfolio withdrawals is taxed, plus the taxable portion of Social Security.