Work to 67 (May 29, 2030), claim Social Security at 70, downsize at ~75 if needed. Target: $1.8M by age 70 (end of 2033). The expected line adds 401(k) contributions through May 2030 and subtracts planned withdrawals (EIDL, 2102 bills, and from June 2030 the full household budget).
Portfolio Trajectory to Age 70 ($1.8M target)
Add Monthly Snapshot
Use "Total for Bank Accounts" from your personal balance sheet for total investable. Monthly spend is everything; bills from 2102 is the recurring part (one-time items excluded). The Budget tab compares both with the budget.
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 (May 29, 2030); salary ~$4,333/mo into 2102 ($1,000/week)
- 401(k) contributions: ~$83,200/yr combined ($1,600/week) through May 2030
- Household budget: $11,333/mo ($7,000 bills from 2102 + $4,333 set-aside into 0574 for yearly items and projects)
- 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 a monthly $2,200 transfer from 2102 into 1179 (Fisher's transfer cancelled Nov 2026) 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 ~$3.0K through May 2030 (EIDL $2.2K + 2102 net ~$0.8K with salary $1,000/week) against ~$6.9K of 401(k) contributions, then ~$10.7K from June 2030 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.
Line items
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Transactions from Fidelity (2102, 0574, Visa) and QuickBooks, read weekly and sorted into categories by payee. Tap a line to see its transactions. Transfers between your accounts, investments and FBS are listed under "Not counted".
Actuals come from your monthly snapshots: total = monthly spend, bills = bills from 2102, one-time = the difference. The set-aside into 0574 pays for yearly items and projects, so one-time spending is lumpy; the running total since Sep matters more than any one month. Under budget shows green, over budget red in parentheses.
Budget
A budget applies from its month until the next one starts. This tracks spending only; the plan's withdrawal math on the Plan tab is set in the page code.