Retirement & Aging
"Will my money outlast me?"
Decumulation phase planning — different math from accumulation. When to claim Social Security, how fast to draw down without depleting, RMD timing on traditional accounts, healthcare and long-term care exposure, and the tax-aware sequencing of which bucket to spend first.
What questions can you answer?
Decumulation isn't just accumulation in reverse
Accumulation has time on its side — bad years average out over decades. Decumulation has the opposite: a bad first decade can permanently impair a portfolio that would've lasted at average returns (the sequence-of-returns risk that the FIRE Calculator surfaces). On top of that, you're juggling Social Security claim timing, traditional vs Roth withdrawal order, RMD strict timelines, and the long-term-care/healthcare exposure that grows non-linearly with age. The tools here treat this phase as its own discipline rather than an afterthought to wealth-building.
All 7 simulators
Decumulation Strategy
3When to retire, when to claim, how fast to draw down — the post-accumulation math.
Tax & Contribution Sequencing
2Pre-tax vs Roth, contribution timing, the tax-bucket math that compounds over decades.
Late-stage Protection
1Insurance gaps that change shape as you transition from earning to drawing down.
Late-stage planning connects to every other dimension
A right-sized FIRE number depends on whether your post-65 health stays cheap or expensive — exercise habit has decade-scale ROI in retirement years. Chronic worry about whether your money lasts shows up as measurable stress cost and healthcare overrun, which feeds back into the FIRE number itself. And the daily habit you're maintaining at 60 compounds into late-life quality of life, the way pre-tax compounding worked when you were 30 — just with a different output.