Robert, 55 — Texas
Robert’s earned income is $0. The plan starts in drawdown with $800,000 and spending of $69,600 a year.
Existing fixture · computed at build time by shipped engines
- Portfolio
- $800,000
- Monthly spending
- $5,800
- Historical survival
- 20%
- Windows survived
- 24 of 115
“What does history say about this drawdown?”
The engine replays the canonical plan through 115 full historical windows. 24 of 115 finish above zero, so the never-overstate headline is 20%. The remaining 91 windows deplete before the plan horizon.
“When does the weaker path show strain?”
In the lower historical band, the engine first records depletion at age 64. Across failed windows, the median tested spending reduction is 33%. Those are stress-test outputs, not a forecast or instruction.
“What income is already in the plan?”
The fixture carries $28,800 of annual Social Security beginning at age 67. The projection feeds that income into every later plan row before the historical engine measures portfolio withdrawals.
These are Robert’s fixture results. RunwayFI recomputes the same engines from each household’s facts and plan assumptions.
RunwayFI provides educational planning estimates, not financial advice. Consult a qualified professional before making financial decisions.