Spend Without Fear

The problem

The industry tells you your odds.
That's not the same as telling you what to do.

Most retirement tools run a Monte Carlo simulation and hand you a single number: an "80% chance of success." It sounds precise. It isn't reassuring — it's a warning label. A probability doesn't tell you what you can actually spend this year, so the instinct is to spend less, just in case. Play it safe. Skip the trip.

You did the hard part — you saved. The fear of running out shouldn't be the thing that keeps you from actually living the retirement you built.

The solution

A number you can spend. Not a probability you have to interpret.

Spend Without Fear replaces the success percentage with two concrete numbers, recalculated every year from your actual portfolio:

A guaranteed floor

Funded by a real TIPS bond ladder — income you can count on no matter what the market does.

A variable bonus

On top of the floor, recalculated each year off your portfolio's actual performance — so good years mean more room to spend.

The old way

"80% chance of success"
A static number, run once a year at best
Doesn't say what to spend — just how scared to be

A guaranteed floor, plus a bonus
Recalculated every year off real performance
A concrete number you can act on today

Everything runs locally on your machine — nothing about your finances is ever sent anywhere.