FIN 4023 Financial Planning Project

1. Personal Information

Current Age

Retirement Age

Life Expectancy

2. Income

Annual Salary ($)

Annual Salary Growth (%)

3. Assets & Employer Plan

Traditional 401(k)/403(b) Balance ($)

Roth 401(k)/403(b) Balance ($)

Traditional IRA Balance ($)

Roth IRA Balance ($)

Taxable Brokerage ($)

Employer Match Rate (%)Example: enter 50 for a 50% match.

Employer Match Cap (% of salary)

4. Savings & Assumptions

Current Savings Rate (% of salary)

Pre-Retirement Return (%)

Post-Retirement Return (%)

Income Replacement Ratio (%)

Estimated Annual Social Security ($)

Withdrawal Rate (%)

Retirement Inflation Rate (%)

Monte Carlo Annual Volatility (%)Example: enter 10 for 10% annual volatility.

Traditional Contribution Allocation (%)Traditional + Roth must equal 100%.

Roth Contribution Allocation (%)

Current Marginal Tax Rate (%)

Estimated Retirement Marginal Tax Rate (%)

Birth Year

Percentages are entered normally (for example, enter 7 for 7%). The page converts them to decimals before sending them to the calculation Worker.

Retirement Readiness Summary

Projected Nest Egg

Required Nest Egg

Funding Ratio

Asset Shortfall / Surplus

Retirement Income

Projected Final Salary
Target Annual Retirement Income
Estimated Social Security
Required Portfolio Income
Current Annual Contribution

Longevity Check

This is a deterministic educational projection. It does not model market volatility, taxes, or sequence-of-returns risk.

Portfolio Growth to Retirement

Retirement Drawdown

Monte Carlo Retirement Analysis

Simulations

Retirement Success Probability

Failure Probability

Expected Return

Annual Volatility
Successful Simulations
Failed Simulations

Monte Carlo results will vary slightly each time because the Worker generates new random annual return sequences for all 1,000 simulations.

Version 3 — Account Type, Tax & RMD Analysis

Traditional Balance at Retirement

Roth Balance at Retirement

Taxable Brokerage at Retirement

Estimated After-Tax Retirement Resources

Tax & RMD Summary

Current Marginal Tax Rate
Estimated Retirement Marginal Tax Rate
Applicable RMD Starting Age
First-Year RMD

Contribution Allocation

Traditional Allocation
Roth Allocation
Traditional After-Tax Value
Total Account Value at Retirement

RMD Projection

Age	Prior Year-End Traditional Balance	Divisor	RMD	Estimated Tax	After-Tax RMD	Required Portfolio Income	Excess RMD

This RMD analysis is simplified for classroom use and is shown separately from the deterministic and Monte Carlo retirement spending models.