by EazyBudget
Three real-world retirement scenarios — see exactly what your dashboard will look like
Robert (65) & Jennifer (63) — retiring from long Chicago careers with two IL rental properties, pensions, and a $5M portfolio. AI-powered Roth conversion and tax optimizer recommends filling the 24% bracket to slash future RMDs. Inheritance strategy maps how to pass $3M+ to their kids tax-efficiently.
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
$26.5M
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 | $218K | $38K | $8.8M |
| Year 21(85/83) | 2045 | $226K | $94K | $13.4M |
| Year 31(95/93) | 2055 | $281K | $145K | $21.0M |
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.
Every tool works together — changes in one flow through the rest automatically.
AI-Powered Strategy
Adjust any variable live — spending, SS age, return rate, timeline. AI gives 5 ranked actions with dollar impact.
Model all claiming ages 62–70. AI recommends optimal age with break-even, tax, and bridge cost analysis.
Rule-based + AI recommendations. 2025 tax law: IRMAA avoidance, RMD planning, QCDs, capital gains harvesting.
Quantify lifetime tax saved from conversions. AI builds a 5-year conversion schedule targeting your optimal bracket.
Safety / Income / Growth bucket allocation. AI suggests drawdown order and replenishment triggers by account type.
Per-heir estate plan, gifting capacity, account sequencing. AI covers the $13.99M exemption sunset and inherited IRA rules.
QCD, DAF, appreciated stock, bunching deductions, charitable bequests. AI builds a 5-year giving schedule and tax savings estimate.
Core Planning
Every year modeled — income, draws, Roth conversions, IRMAA, healthcare bridge, and balances.
500 simulations with randomized returns, rental variance, and spending shocks. Success probability + worst case.
Rentals with depreciation recapture, cap gains, NIIT, and sale-year tax modeling by state.
Name every account by institution, type, and owner. Balances flow directly into projection.
Avalanche/snowball optimizer. Debt payoff flows into your projection cash flows automatically.
Log each year's real draws, conversions, and balances. Stay on track with a year-over-year comparison.
Create unlimited scenarios — "retire at 60 vs 65", "sell rental vs keep." Switch instantly.
Plan for cars, renovations, travel — modeled as lump-sum draws in the projection year.
360 Retirement builds your complete financial picture — income, taxes, real estate, stress tests, and AI-powered strategy. Free to start, no credit card needed.