Sandbox — one-off, not saved to any client.Nothing here is stored. To save work, open a client and use the plan.Go to clients →

Capital sufficiency

A tax-aware, multi-account decumulation Monte Carlo on the real engine. Each simulated year forces RMDs, funds the net spend with a tax-smart withdrawal waterfall, and rolls balances by sampled returns. The fan chart is the per-year net-worth distribution.

Household & plan

Start yearHorizon (years)Filing statusStateAge (primary)Age (spouse)Social Security (annual)Pension (annual)Annual spend (net)Spend growth (%)TrialsReturn model

Capital-market assumptions are illustrative placeholders — replace with a published CMA before client use.

Accounts · $2,000,000

LabelClassTaxBalanceBasis

Set up the household, accounts, and spend, then run the simulation to see the portfolio outlook and success probability.