| Category | Avg | Low – high month | Planned / mo | Change |
|---|
Click a month to filter the transactions below. Click it again to show all months.
Click a transaction to change its category or make a rule from it. Click Recategorize again when you're done.
Contributions stop at high school graduation. The comparison uses the balance on graduation day, so it ignores growth while the money is spent down. "Today's dollars" converts the gap back at the college-cost inflation rate you pick.
Everything here is in today's dollars, so amounts compare directly. Bars are income after the retirement tax rate set under Spending over time. Click a bar or a table row to pick that age.
0% means pay just keeps up with inflation. Raises grow take-home pay each year until retirement and scale up pensions based on final pay.
Account balances are grown at the return rate, converted to today's dollars at the inflation rate, then turned into monthly income with the withdrawal rate (4% a year is a common rule of thumb). Pension estimates are treated as today's dollars. Income is compared with projected retirement spending from Spending over time below.
Starting guesses you can edit. "Kids gone" is the change once all children are out (part of it applies while some are still home). "Retired" applies on top of that after you retire.
| Category | Today | Kids gone | Retired | In retirement |
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Pensions, account withdrawals and most Social Security are taxed. 10–15% overall is a common rough rate.