Goal Seek

[jimr]

I think this may be happening because goal-seek uses the taxable portfolio and perhaps your regular settings are using the tax-deferred portfolio.

The taxable portfolio is carried at a 100% cost basis (eg taxes paid on gains as they're earned). This means that unlike the tax deferred portfolio, withdrawals from the taxable portfolio don't have any taxes due.

[NearlyRetired]

Ah, yes you are correct!

Thanks for the speedy response, and for the fantastic tool - I use this a lot and I find simple to get the data in and is flexible enough to do what I need.

Regards
NearlyRetired