Lifestyle Pattern tool
Active Early Years Visualizer
See how discretionary spending could ease across active, slower and later retirement phases, compared with steady real spending.
Illustrative spending path
| Phase | Ages | Annual spending |
|---|
Assumptions and limitations
This is commonly described as the Go-Go, Slow-Go and No-Go spending concept. The visualizer applies the selected reductions to one starting amount and does not calculate inflation, tax, account withdrawals, market returns, care costs or whether the path is affordable. It does not automatically imply essential spending should fall.