Retirement Under Stress: Reset + Income + Inflation

This calculator demonstrates why a market reset near retirement can be uniquely harmful: withdrawals occur when prices are depressed, and inflation keeps moving the finish line.

Retirement assets should provide income for many years, but a Market Reset could ruin your plan.

Run Your Scenario

Set inputs and toggles, then update.

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Income mode
Display mode
Sequence risk stress-test (optional)
This simulates year-by-year returns around an expected return. Same reset, same withdrawals, same inflation assumptions — but the order of returns changes. That’s sequence-of-returns risk.

Key notes (plain-English)

This is not a forecast — it’s a stress-test for “what if” planning.

  • Implied recovery rate is the annual return needed to climb from “after reset” back to your target with no withdrawals.
  • Sequence-of-returns risk is why a big decline early (while taking withdrawals) can permanently damage recovery.
  • Inflation break-even is the moving finish line — future dollars need to be higher to equal today’s purchasing power.
  • If you want a personalized stress-test across your full plan, Start a conversation.