Maximize Retirement Spending
Don't Outlive Your Savings
This strategy is designed for those who want to spend their entire savings during their lifetime, with a plan to reach $0 by the end of the analysis. We'll help you calculate the maximum amount you can spend each year, ensuring you can enjoy your wealth to the fullest while maintaining security throughout retirement. Perfect for those focused on maximizing their lifestyle without concern for leaving an inheritance.
Maximize Retirement Spending
Ready to maximize your retirement lifestyle? Our tools will help you spend your savings down to $0 in the most tax-efficient way, giving you the confidence to enjoy life to the fullest while ensuring you won't outlive your money.
Spend your savings down to $0
Calculate your maximum safe spending amount
Cover your desired income needs
Optimize every dollar through tax-efficient withdrawals
Set your window to really enjoy retirement
54
65 - 80
85
Select Maximum Retirement Spending Age Range
This feature lets you identify a specific window where you want to maximize your retirement spending. During this period, the algorithm will calculate the maximum amount you can spend each year while still ensuring you meet your desired income levels before and after the window, cover your annual expenses throughout the plan, and achieve your end-of-analysis financial goal. It's about finding those golden years where you can truly live life to the fullest, without compromising your long-term objectives.
Extra Spending
Since Max Spend is designed to draw down your investment accounts to $0 in the most tax-efficient way, it often means increasing your annual spending to ensure all funds are used. Based on your existing and projected expenses and goals, the analysis will calculate how much additional spending can be added on top of your stated expenses. This extra amount is displayed as "Extra Spending."
Annual Expenses
2025
$95,000
2026
$96,900
2027
$98,838
2028
$100,815
2029
$102,831
Total Spending
2025
$95,000
+ $10,000
$105,000
2026
$96,900
+ $10,300
$107,200
2027
$98,838
+ $10,609
$109,447
2028
$100,815
+ $10,927
$111,742
2029
$102,831
+ $11,255
$114,086
Is this strategy right for you?
Spend It All Strategy
Plan to spend your entire savings by the end of your analysis, maximizing your retirement lifestyle
Security First
Advanced modeling ensures you won't outlive your money while spending your savings down to $0
Tax-Efficient Spending
Optimize withdrawals to minimize taxes and maximize how much you can spend each year
Smart Deposits
Structure your savings now to maximize your future spending potential
Flexible Planning
Adjust your spending plan as market conditions and life circumstances change
Spending Clarity
Know exactly how much you can spend each year while staying on track to reach $0
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