ML Stats - Portfolio Income Modeler

Simulation Inputs

Months

Initial Portfolio ($)

Monthly Income Needed ($)

Inflation Annual (%)

Allocation

Withdrawal Strategy

Rebalance

DRIP

Mode

Ending Value Tolerance (%)

Target Ending Value ($)

Portfolio Weights (SYMBOL=PCT,...)

Growth Override (SYMBOL=PCT,...)

Yield Override (SYMBOL=PCT,...)

Model monthly income sustainability using dividend yield assumptions, price CAGR, inflation-adjusted withdrawals, and configurable rebalance cadence.

Use preset allocations or specify portfolio, growth, and yield overrides in SYMBOL=PCT format to test custom mixes.

Learn more about assumptions and methodology: How ML Stats Calculates Portfolio Projections

Symbol	Target %	Value	Ann Yield	Price CAGR

Symbol	Target %	Value	Ann Yield	Price CAGR

Year	Income Target	Dividend	Stock Sales	Total Withdrawal	Ending Value	Shortfall

This tab summarizes how Portfolio Modeler and Retirement Planner simulate outcomes and how withdrawals are prioritized.

Runs month-by-month deterministic projection using growth and dividend assumptions by holding.
Applies growth, adds dividends, then funds income from cash and, if needed, sells holdings by your selected sale strategy.
Supports DRIP and scheduled rebalancing (monthly, quarterly, yearly, or never).

Projects monthly expenses with inflation, then compares against income sources and account withdrawals.
Withdrawal order is cash accounts (by priority, if draw enabled), then Taxable Brokerage, then 401k/IRA, then Roth IRA.
Within an investment account, account cash is used first, then holdings are sold using that account's withdrawal strategy.
Age gating uses each account's withdrawal start age for retirement-account withdrawal access.
A fixed IRS-style 10% early withdrawal penalty is not currently auto-applied in the model.

For full methodology details, assumptions, and limitations, see: How ML Stats Calculates Portfolio Modeler & Retirement Planner

Portfolio Modeler-specific methodology is also available here: How ML Stats Calculates Portfolio Projections

Please also review the Investment Disclaimer before relying on outputs.