RetireDeck

Historic Blend Backtest

Actual historical total returns for an equity/bond blend over a date range you choose. Equities = S&P 500, Bonds = 10-year U.S. Treasury (constant maturity). Monthly total return, 1926–2026 (Shiller long history; recent years spliced from market data).

Interval

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Rebalancing

Equity / Bond mix 60% / 40%

Equity Bonds

Total return

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Annualized (CAGR)

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Max monthly drawdown

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Largest month-end peak-to-trough drop

Portfolio Longevity — Historical Odds

Probability of running out of money, tested across every historical start month (1926 or 1957 onward) using real S&P 500 / 10-yr Treasury return sequences with monthly withdrawals.

Starting balance ($)

Monthly withdrawal ($)

Horizon (years)

Backtest start

Equity / Bond mix 60% / 40%

Eq Bd

Withdrawal COLA

Fixed inflation rate 3.0%/yr

Probability of running out

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Cohorts tested

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Compound Interest Calculator

Future value of current savings plus monthly contributions.

Current savings ($)

Monthly contribution ($)

Years to retirement

Return / yr 7.0%

Projected balance

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Safe Withdrawal

Sustainable income at a chosen withdrawal rate (the "4% rule" and variants).

Portfolio value at retirement ($) — auto-filled from the Compound Interest tab (editable) Withdrawal rate 4.0%

First-year income

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Social Security Estimator

Rough inflation-adjusted (today's dollars) monthly benefit at early, full, and late claiming, from your earnings. Uses the SSA method with simplifying assumptions. Not an official SSA figure; check ssa.gov for your real estimate.

Current age

Recent average annual income ($)

Annual raises above inflation 1.0%

Early — age 62

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70% of full benefit

Full — age 67

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Full retirement age

Late — age 70

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124% of full benefit