Built for a bigger screen. Have a look around — for the full picture,
open Pasture on a laptop or desktop.
Hi Julie. Your retirement picture is ready.
This is Julie’s sample plan: every account, tax bill, and withdrawal, year by year through age 95.
Here’s the retirement you’re planning for:
Retire at
—
Early years spending
—
per year
Social Security at
—
Plan through age
—
These are Julie’s sample numbers. You’ll be able to change them in the full plan.
Will Julie have enough?
…
Running the simulations…
Running 300 market simulations against these numbers…
—
Remaining at plan end
Median scenario
—
Lifetime retirement taxes
—
First age the plan falls short
In weaker markets
See what happens year by year ↓
Now let's look at every year.
See where Julie’s retirement income comes from, what she spends and pays in taxes, and how much remains over time. Change a number on the left to watch the plan update.
Your plan succeeds in — of simulations. Choose an adjustment to model:
We'll spread the additional savings across your accounts — filling tax-advantaged
(tax-deferred & Roth) up to each annual limit first, then any taxable brokerage.
The cut lands where the discretionary spending is. The early years absorb it in full, and each later phase progressively less — the care years, mostly care rather than travel, are largely protected — so the smile's upturn survives.
Results
Target
Additional / yr
MC Success
Calculating…
your retirement, finally in view.
Forgot password?
Enter your email and we'll send you a 6-digit reset code.
Enter the 6-digit code sent to
Didn't get it? Resend code
✓
Password updated
You can now sign in with your new password.
Free account · No credit card · Keep your plan safe.
📬
Check your inbox
Enter the 6-digit code sent to
Didn't get it? Resend
Account settings
Profile
First Name
Email
Change Password
Promo Code
Danger Zone
This permanently deletes your account, all saved scenarios, and cannot be undone. Type DELETE to confirm.
Scenarios
Currently loaded
Save as new
My Saved Scenarios
Share this plan
Anyone with the link can view this plan in read-only mode. Add an optional PIN for privacy.
Optional PIN (4-6 digits)
Recipient will need to enter this PIN to view the plan.
Share this link:
🔒 PIN protected — share the PIN separately with your recipient.
The recipient can view all charts and the year-by-year table. They cannot edit or save your plan.
Anchored to .
chance your plan lasts
Sample plan
Working out your plan…
Running 300 market simulations against your numbers…
Plan Success
—
300 runs
—
Legacy @ 85
—
after heirs' tax —
projected estate
Legacy @ 95
—
after heirs' tax —
projected estate
Retirement Tax
—
Fed——State——
——
ⓘ
—
Avg return
—
CAGR
—
Glide Path
Start—
End—
Bonds—
—
—
Roth ladder
—
bridge years
—
RMD Range
ⓘ
—
—
RMD Detail
Your
First—
Last—
Spouse
First—
Last—
Balances by Age — Account Breakdown
Green: taxed when withdrawn or sold · Blue: tax-free (Roth, HSA, 529) · Dashed line: retirement
Your income and spending, year by year
See where Julie’s retirement income comes from, what she spends each year, and when her savings need to cover the difference.
Working Years — Income vs Spending
Tax Burden Over Time
Federal and state income tax each year of retirement. Hover a year for the split, the total and any Roth conversion.
Medicare Costs (Part B + Part D) + IRMAA Surcharges
Based on income from 2 years prior. Surcharges apply when AGI exceeds $— (MFJ) or $— (Single).
Year-by-Year Market Returns — Selected Assumption
Social Security Breakeven — Cumulative Benefits by Claim Age
Spouse
Fixed
Same as you
Survivor keeps the larger benefit
Money Flow — Gross Income, Tax Drag & What You Keep
——
Worth a look
Run your plan to see what stands out.
Where your retirement income comes from
Lifetime retirement income—
Columns
Age
Year
Phase
Ret%
IRA
Roth
HSA
401K
R401K
Legacy
Gross
Fed Tax
Eff%
RMD%
Add'l WD
Total WD
Spending
Plan
Run a scenario to see data
chance your plan lasts
Market scenarios
How does your plan hold up in different markets?
Run your plan through a conservative, a moderate and an optimistic market and the historical sequence, and see how often it lasts in each.
Select 2–4 scenarios to compare
Scenario Summary
🔒
Compare your saved plans
Save each version of your plan and see them side by side
sensitivity
Sensitivity
How much does Retirement Age matter?
Holding all else equal, how does your retirement age affect plan durability?
Variable
Tax-bracket ceiling
Ceiling the Tax-bracket fill row fills to before tapping other accounts.
Destination state
Asked here, not read from the sidebar — the sweep is a what-if and never
changes your plan.
Total Legacy by Age
Annual Return Sequences
Run a comparison to see each scenario’s year-by-year returns.
Annual Tax Burden — Federal + State
Sensitivity Analysis
Running…
Pick a variable above and press Run Sensitivity →
Columns
Age
Year
Phase
Ret%
IRA
Roth
HSA
401K
R401K
Legacy
Gross
Fed Tax
Eff%
RMD Rate
Add'l WD
Total WD
Spending
Plan
Run a scenario to see data
chance your plan lasts
Stress test
How does your plan hold up in rough markets?
Run a stress test to check your plan against 1,000 simulated markets, good and bad.
Expected Annual Return (mean)7.0%
Simulated Using
Mean (μ)
—
Std Dev (σ)
—
CAGR (geo)
—
Success Rate
—
Median Legacy at plan end
—
10th Pct Legacy at plan end
—
90th Pct Legacy at plan end
—
Simulations
—
Legacy Percentile Bands — 1,000 simulations
━ 90th━ 75th━ Median━ 25th━ 10th╌ Your Plan
Survival Probability — Portfolio > $0
Age
Survival %
Median Legacy
Visual
Run the stress test to see results
—less lifetime tax
Roth conversions
How much could Roth conversions save you?
Press Optimize. Pasture tries conversion amounts year by year and finds the schedule that works best for your plan.
Tax Bracket Ceiling
Max Single-Year Conversion$150,000
Heirs’ Federal Bracket
Current Lifetime Tax
—
Optimized Lifetime Tax
—
Current Conversion Tax
—
Optimized Conversion Tax
—
Current Conversions
—
Optimized Conversions
—
Current Legacy After Tax
—
Optimized Legacy After Tax
—
— legacy gain
Baseline — at Retirement
Optimized — at Retirement
Both scenarios have the same total portfolio value at retirement —
the difference is how much is in tax-deferred vs Roth.
Conversion Schedule — Current vs Optimized
Year-by-Year Conversion Detail
Age
Year
Current Conv
Current Tax
Optimized Conv
Optimized Tax
Δ Conv
ACA Cost
IRMAA Cost
Reason
Run optimizer to see results
Save as new scenario
Re-anchor to
Ages
Balances today
Edit account
Account details
Cost basis (taxable only)
What you originally paid — only the gain above this is taxed on withdrawal.
Retirement smile
Annual spending, today's dollarsHatched = covered by Social Security
Drag the ● dots to raise or lower spending in a phase · drag the ┊ dashed lines to move when each phase begins
The curve is illustrative — your plan spends each phase at its dot's flat level.
Add conversion range
Age range
Same start and end age = single year conversion.
Amount
Same amount converted each year in the range.
Add market shock
Pattern
2008 GFC: −37%, +26%, +15%
Timing
Up to three events, at least three years apart.
Add Income Stream
Details
Type
Phase
Spending Range
Details
Add HSA range
Ages
Withdrawal
Add item
Type
Details
This is a debt payoff
Repeats
Paying off a loan? Add a milestone and mark it as a debt payoff instead.
