Assumptions: monthly contributions; flat nominal return; constant tax
settings; balances and tax figures are shown in nominal dollars
(no inflation deflator) — only the
"in today's $" column discounts the withdrawal by
the inflation rate above, to show what that future amount would
actually buy at today's prices; marginal rate auto-calculated from
AU 2024–25 brackets + 2% Medicare (you can override manually). The
drawdown column simulates withdrawing every year
from retirement to your plan-to age, growing the withdrawal with
inflation and the balance at a flat, unchanging "return during
retirement" — it can't capture real market volatility or
sequence-of-returns risk (bad markets early in retirement are far
more damaging than the same average return spread evenly), so
treat it as a rough sustainability check, not a guarantee. This is
general information, not financial advice.