Retirement Stress Test Dashboard

Can This Retirement Plan Survive a Stress Test?

Enter the baseline retirement picture, select an easy or hard preset, and compare the projected portfolio results.

Baseline Plan

Start with the core retirement assumptions. Results will stay hidden until you run the stress test.

Household Timeline

Set the current ages and how long the portfolio should be projected.

Retirement Age

Spouse's Age

Money Should Last Until Primary Age

Portfolio & Spending

Enter the investable assets and desired monthly retirement spending.

Investment Portfolio

Monthly Retirement Spending

Retirement Income

Add Social Security timing for each person and any other monthly income.

Monthly Social Security 1

Social Security 1 Start Age

Monthly Social Security 2

Social Security 2 Start Age

Other Monthly Income

Portfolio Return Assumptions

Set the simplified stock, bond, and cash return assumptions used in the projection.

Stock Allocation (%)

Normal Stock Return (%)

Bond/Cash Return (%)

Quick Scenario Presets

Select one or both presets to compare the baseline plan with pre-built easy and hard stress scenarios.

Easy Scenario Base Case

Year 6: new roof$18,000

Year 9: car replacement$35,000

Year 10: market drop18%

Year 13: medical expense$20,000

Year 18: market drops again14%

Hard Scenario Rough Case

Year 1: market drops32%

Year 4: new roof$28,000

Year 7: car replacement$45,000

Year 12: medical expense$75,000

Year 17: market drops again25%

Stress Test Results

Review the baseline result, selected stress scenarios, and portfolio balance over time.

Baseline Final Balance

Worst Visible Scenario

Portfolio Balance Over Time

Hover over the chart to see age and portfolio balance.

Run the stress test to see the projected portfolio gap, baseline outcome, and selected stress scenarios.

This calculator uses simplified hypothetical assumptions and a today's-dollar approach. Baseline monthly spending and Social Security benefits remain flat during the projection except for the main spending-change input. There is no separate Social Security COLA input. It does not predict actual investment returns and does not account for taxes, account type, RMDs, Medicare premiums, advisor fees, product allocation, liquidity restrictions, insurance coverage, Roth conversions, or personalized financial planning. Actual results may vary materially.

Advisor Minimums

We aim to match you with experienced advisors who meet clear standards.

10+

Years of Experience

Advisors must have meaningful industry experience.

$30M+

Assets Under Management

Advisors must manage at least $30 million in client assets.

Disclosures

Advisors must have zero disclosures identified during public-records screening.

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Want Help Stress-Testing Your Retirement Plan?

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Take a Quiz

Start with a short quiz based on your retirement goals, concerns, timeline, and planning needs.

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Analyze Results

Review your answers to identify potential planning gaps, tax questions, income needs, or portfolio concerns.

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