Finance & AccountingLegal & ComplianceOperationsOpen accessPublished 3 Oct 2026
Build a deterministic retirement-income projection: a year-by-year decumulation model from retirement to a longevity horizon that inflates spending, pays guaranteed income (Social Security, pension) net of approved taxes, funds the after-tax spending gap from taxable, tax-deferred, and tax-free accounts in a documented withdrawal order, and rolls balances forward across base / favorable / adverse scenarios modelling sequence and longevity risk. Every year ties out, every assumption is sourced, and results are a RANGE. Use when a financial planner or retirement specialist asks to model retirement income, spending, inflation, longevity, taxes, sequence risk, or withdrawal s…