Average Retirement Withdrawal Rate

is based upon shortfall withdrawals, RMDs, one-time expenses, and planned distributions such as one time expenses divided by the previous December's savings balance. The average is computed from the retirement age month of second person to retire through the longevity age of the person with the latest longevity.

The average retirement withdrawal rate does not exclude RMDs that are reinvested.

is based upon all projected income minus all projected expenses, including contributions to savings over the next 12 months.

Current Savings Rate

is based upon total savings contributions / total income for the current year.

Earliest Possible Retirement Date

The calculation rolls back the retirement age one month at a time to see the break point of when you run out of money. This way, you can learn the earliest date you can retire. Selecting to retire at that time may return a low Chance of Success due to the goal of not running out of money as opposed to leaving a legacy.

Housing Expense as a Percentage of Income

is based upon mortgage payment or rent / total income this year.

Housing Wealth at Retirement

is based upon the value of all properties at retirement age.

Next Month's Cash Flow

is based upon all projected income minus all projected expenses minus contributions to savings for the next calendar month of the forecast, e.g if it is now May, we use the June results.

Roth Conversion Opportunity For Maximizing Estate Value

is based upon a run of the Roth Conversion Explorer with the following settings:
* Highest Estate Value Strategy
* Is it okay to pay for the tax liability of Roth conversions with converted funds? NO
* Do you want to retain a minimum amount in after-tax accounts? NO

Surviving Spouse Income

is based upon the income for the year after death/ income for the year before death.

Total Debt Ratio

is based upon total debt payments / total income for the current year.