Max Sustainable Income
Max Sustainable Income estimates how much you could withdraw sustainably from your retirement plan under stochastic scenarios, for a horizon you choose. It is an analytical tool inside Projection Lab—not a guarantee of future income and not personal financial advice.
Probability-based search
The tool runs an optimizer that searches for a sustainable income level using probability-based scenario analysis against your plan, subject to the depletion horizon you set.
Horizon control
You can set a depletion horizon age (for example aligned with life expectancy) so the analysis matches how long you want the portfolio to last.
Charts & breakdown
After a successful run, review charts and breakdown sections in the app to understand how the sustainable level behaves across ages and scenarios.
Cached with your plan
Latest results are stored with your plan’s scenario-analysis inputs so you can return without re-running unless you change settings or want a fresh optimization.
Inside Max Sustainable Income
Spending bands, success rates, and what-if tweaks—so you see the ceiling before you commit to a lifestyle.
Set horizon & run
Pick a plan, choose a depletion horizon aligned with life expectancy (or your own target age), and launch the optimizer. The tool searches for the highest spending level that survives stochastic trials under your constraints.
Key benefits
Plan picker and URL planId support
Clear success or non-convergence messaging from the run
Part of Projection Lab
Try Max Sustainable Income
Sign in, open Projection Lab → Max Sustainable Income, choose a plan, set your horizon, and run the optimizer.