Aside from Firecalc, I have slowly built up my own excel model, complete with estimated tax brackets, options for what SS age to pick, even RMD tables, and options to draw down different percentages across after tax, tax deferred, and tax free accounts.
I can model different 'real' returns - which I model as after inflation and fees.
When I plug in 0% and model different ages for 'end game' of 80, 90, 100, 110 I am estimating that I can make it (along with SS and a modest pension).
It isn't as robust as Firecalc with the Monte Carlo random runs, but is just another tool I use to get a better feel for planning.
Do you use 0% just to take that off the table in your planning?
Or are you relying on a positive real return (after fees and inflation)?
I can model different 'real' returns - which I model as after inflation and fees.
When I plug in 0% and model different ages for 'end game' of 80, 90, 100, 110 I am estimating that I can make it (along with SS and a modest pension).
It isn't as robust as Firecalc with the Monte Carlo random runs, but is just another tool I use to get a better feel for planning.
Do you use 0% just to take that off the table in your planning?
Or are you relying on a positive real return (after fees and inflation)?