Free tool · Confidence Spend™

How much can you spend for life?

Your Confidence Spend™ is the most you can confidently spend each year of your life, with your real taxes and healthcare.

Estimate your Confidence Spend™

Enter your assets and age to see the most you can confidently spend each year.

$
+ Personalize your estimate (tax rate + Social Security)
Your Confidence Spend™
the most you can spend and still be covered to age 90
--
How is this calculated?
  • Starts from your investable assets and assumes you begin withdrawing today.
  • Each year it subtracts a spending amount (grossed up for taxes at the rate you pick) and adds Social Security once you claim it. What's left grows on a conservative floor: the model holds your first 8 years of spending in cash (a stress-test assumption, not a recommendation to hold that much cash), and the rest grows at 3% a year above inflation, the worst 30-year real return US stocks have delivered since 1871.
  • Your Confidence Spend is the highest spending amount that still keeps you covered to age 90 at that conservative return.
This is a deliberately conservative floor on a single worst-case return path. The full app goes further still: your real tax brackets instead of a flat rate, year-by-year healthcare costs, and per-account modeling of every withdrawal. See everything the app models →
This is a conservative floor on a flat tax assumption. It doesn't yet use your real tax brackets, year-by-year healthcare costs, or where your income lands against the ACA cliff before 65. Lumifin runs the full conservative engine, with per-account modeling, real year-by-year taxes, and ACA/IRMAA healthcare, to pin down your actual Confidence Spend. Model your full picture in Lumifin →

Are you spending less than you safely could?

See the number you can confidently spend for life, on your real accounts and taxes.

Join the August waitlist →