Work to 67 (end of 2030), claim Social Security at 70, downsize at ~75 if needed. Target: $1.8M by age 70 (end of 2033). The expected line subtracts planned withdrawals (EIDL, 2102 bills, and from 2031 the full household budget).
Portfolio Trajectory to Age 70 ($1.8M target)
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Use "Total for Bank Accounts" from your personal balance sheet for total investable.
History
Rows before Apr 2026 are pre-plan history from the quarterly master Sheet (Fidelity balance only). Expected is shown from the Aug 31, 2026 plan restart on.
Plan Facts
- Work until: 67 (end of 2030); salary ~$4,333/mo into 2102 ($1,000/week)
- Household budget: $11,755/mo ($8,755 bills from 2102 + $3,000 annual set-aside into 0574)
- Social Security: claim at 70 (~$54.3K/yr today's $); L.L.Bean pension $1,000/mo from 67
- Michelle's SSDI: ~$1,872.50/mo into 2102, ongoing
- EIDL: $2,153/mo, funded by Fisher (~$2,200/mo into 1179) until ~2054
- Needed at 70: ~$1.6–1.9M (Sep 2026 estimate); target set at $1.8M
- Downsize at ~75: contingency (~$450K) if returns run low
- Salary split (from Nov 2026): $1,000/week to 2102 and $1,000/week to 0574 by payroll; Nov–Jan one-time items pre-funded by the ~$22K moved 2102 → 0574 on Oct 24, 2026
Plan Waypoints (7%, after withdrawals)
Starts from the Aug 31, 2026 snapshot ($1.52M). Monthly withdrawals: $5.1K Sep–Oct 2026, then ~$4.7K through 2030 (EIDL $2.2K + 2102 net ~$2.5K with salary $1,000/week), then ~$11.1K from 2031 when salary stops.
How saving works
Snapshots are saved in your Supabase database (table retirement_snapshots), so they show on every device you sign in on.
The monthly retirement check-in confirms each month's numbers with you and saves them here and in its Drive copy of the old tracker.
A month you enter here is saved immediately; entering the same month again replaces it.