Retirement Income Cashflow

Social Security + pension + RMDs + portfolio withdrawals — synthesized into a single year-by-year cashflow

Plan Inputs

Goal & Horizon

Starting Age

Project Years

Annual Spend (today $)

Inflation

Social Security

PIA (monthly @ FRA)

Birth Year

Claim Age

SS COLA

Pension

Monthly Pension

Pension Start Age

Accounts

Traditional / 401(k)

Roth IRA

Taxable

Taxable Basis

Expected Return

Ordinary Tax Rate

Lifetime Social Security

$1,101,039

Lifetime Portfolio Withdrawn

$1,783,506

Lifetime Taxes

$605,823

Plan covers spending target

Final balance at age 90: $663,892

Annual Income Sources

Stacked = total gross income · line = inflated spend target

Year-By-Year Cashflow

Age	SS	Pension	RMD	Portfolio	Tax	Net Income	Target	Balance
65	—	—	—	$84,211	$4,211	$80,000	$80,000	$1,288,737
66	—	—	—	$86,833	$4,833	$82,000	$82,000	$1,274,018
67	$36,000	—	—	$58,341	$10,291	$84,050	$84,050	$1,288,618
68	$36,900	—	—	$60,122	$10,871	$86,151	$86,151	$1,302,206
69	$37,823	—	—	$66,189	$15,707	$88,305	$88,305	$1,310,178
70	$38,768	—	—	$75,634	$23,889	$90,513	$90,513	$1,308,617
71	$39,737	—	—	$77,524	$24,486	$92,775	$92,775	$1,304,958
72	$40,731	—	—	$79,463	$25,098	$95,095	$95,095	$1,299,025
73	$41,749	—	$36,991	$44,458	$25,726	$97,472	$97,472	$1,290,630
74	$42,793	—	$37,362	$46,123	$26,369	$99,909	$99,909	$1,279,573
75	$43,863	—	$37,455	$48,117	$27,028	$102,407	$102,407	$1,265,641
76	$44,959	—	$37,383	$50,329	$27,704	$104,967	$104,967	$1,248,605
77	$46,083	—	$36,950	$52,954	$28,397	$107,591	$107,591	$1,228,222
78	$47,235	—	$36,438	$55,714	$29,106	$110,281	$110,281	$1,204,234
79	$48,416	—	$35,642	$58,814	$29,834	$113,038	$113,038	$1,176,365
80	$49,626	—	$34,508	$62,310	$30,580	$115,864	$115,864	$1,144,320
81	$50,867	—	$32,796	$66,441	$31,344	$118,760	$118,760	$1,107,788
82	$52,139	—	$30,769	$70,949	$32,128	$121,729	$121,729	$1,066,433
83	$53,442	—	$27,998	$76,264	$32,931	$124,773	$124,773	$1,019,901
84	$54,778	—	$24,689	$82,179	$33,755	$127,892	$127,892	$967,815
85	$56,148	—	$20,399	$89,141	$34,598	$131,089	$131,089	$909,772
86	$57,551	—	$15,122	$97,156	$35,463	$134,367	$134,367	$845,343
87	$58,990	—	$8,655	$106,430	$36,350	$137,726	$137,726	$774,072
88	$60,465	—	$739	$93,499	$13,534	$141,169	$141,169	$720,625
89	$61,977	—	—	$94,311	$11,590	$144,698	$144,698	$663,892

Synthesizes Social Security (claim age, COLA), pension (start age, monthly), RMDs (forced from traditional starting age 73), and portfolio withdrawals (taxable → traditional → Roth order). Tax model applies ordinary rate to traditional/pension/85% of SS, LTCG on taxable gains, free on Roth. State tax, NIIT, IRMAA, deductions, and credits omitted.