Flexible Retirement Planner Support Forum

Does FRP model taxes on withdrawals to pay taxes?

e.g. If 100% of my assets were in tax-deferred accounts, and I entered no retirement income and Annual Retirement Spending of $100,000 and a tax rate of 20%, would FRP model withdrawing $100,000 or would it model withdrawing $120,000?

Ah. Very good. I had missed that. Thank you.

FRP has "Income Tax Rate" and "Investment Tax Rate" fields. However, I'll have very different tax rates in my early retirement vs later. This is because my wife will continue to draw salary for the first 8 years. I'm sure I'm not the only person with a younger spouse who will wor...

When I select the "Custom" Investing Style, should I enter the nominal or the inflation-adjusted return for "Return - Average"?

e.g. If I enter 3% for inflation and 5% for Return, am I projecting a 2% inflation-adjusted return or a 5% inflation-adjusted return?

TIA

If I enter $10K more expenses than income, FRP shows that the money runs out before the end of plan, as expected. It knows enough to deduct that excess spending from my portfolio each year, until the portfolio value is $0. (I'm entering all my cash flows on the Additional Inputs screen.) But if I st...

Ah. I found the post with the Excel VBA. That reveals that an "Inflation - Std Dev" of x% means that the value of one standard deviation is x%. An example makes it clearer. If I choose stdDev of 1% and avg of 3%, I'll see for the series of years: Inflation centered on 3% 68% of years will ...

I mentioned that I was using Inflation Average of 3% and Inflation Standard Deviation of 1% to a statistician, and he reminded me that SD is the square root of the Variance, and is typically a number like 1.5, not a percent. When I look at "Inflation - Std Dev" and "Return - Std Dev&q...

Are Start and End years inclusive on "Additional Inputs"? e.g.:
If I enter start year of 61 and end year of 65 for an $1000 item, I'll get $5000 total, right?
If I enter start year of 61 and end year of 61 for a $1000 item, I get $1000 and not $0, right?