Spending, withdrawals & risk

Your whole retirement plan on four printable pages: what the Plan Report shows.

A retirement plan in Runway lives on more than ten screens: the overview, Social Security, this year's withdrawals, the projection, healthcare, the stress test and more. That is useful on a screen and awkward on paper. If you want to put the plan on the table in front of a spouse or an adviser, or just keep a copy, you do not want to print ten pages of a web app. The Plan Report is my answer: the whole plan on a few pages that print cleanly.

Quick answer. The Plan Report is a printable summary of your whole retirement plan in Runway: four US Letter pages, or one in Brief mode, with an optional appendix of every year. Page 1 stands alone. For the example couple below it says there is a 96.5% chance the money lasts to 95, starting from $1,890,000 with $95,000 a year of spending, and that this year's $101,322 of withdrawals owes $0 in tax. You print it, or save it as a PDF, from your browser, and a checkbox hides names before you share it. It is built in your browser, so printing sends nothing anywhere.

What is on each page?

Each page has one job, so you can stop reading when you have what you need. The right-hand column shows what the example couple's plan says. The example is Pat (62) and Alex (60), who have $1,890,000 across cash, a brokerage account, two traditional IRAs, a Roth IRA and an HSA, spend $95,000 a year, and claim Social Security at 67 and 65.

The four pages and the example couple's numbers

What each page of the Plan Report shows, with the example couple's figures
PageWhat it showsThe example couple
1. At a glanceThe chance the money lasts, starting assets, spending, Social Security start ages, the plan in one chart, key decisions, and what to watch96.5% chance to 95; $1,890,000; $95,000 a year
2. Where you startEvery account with its share of the total, income and spending, assumptions, and the dates ahead (Medicare, Social Security, required withdrawals)6 accounts totaling $1,890,000
3. How it is paid forSocial Security, lifetime federal tax, this year's withdrawals account by account, a table of every fifth year, and Roth conversion options when a study has been run$58,880 a year of Social Security; $464,003 of federal tax over 33 years
4. Risks and notesThe range of outcomes across simulated markets, the long-term-care case, the years one person is on their own, what your heirs would keep after tax (and your goal, if you set one), and the method and disclaimer10th percentile $602,028; median $3,335,816 at the end

An optional appendix lists every year of the plan, with the header row repeated on each printed page, for anyone who wants the full table rather than every fifth year.

How do I read page 1?

Page 1 is written to stand alone. At the top is the chance your money lasts to the last planned age, from 2,000 simulated markets: 96.5% for the example. Beside it are four numbers: starting assets ($1,890,000), the yearly spending target ($95,000), when Social Security starts for each person, and the median ending balance. Below that, one chart shows where each year's money comes from, with a dashed line for what the year needs (spending, health costs, care and tax), and a short list of the stretches of the plan by what pays for them. A few lines on key decisions and a short "worth watching" list close the page.

For the example, this year's withdrawals are $101,322: $60,000 from cash first, then $41,322 from the brokerage account, with $0 of tax owed. The Cash Flow tab of the projection (see the tutorial) has a fuller, interactive version of that chart, where you can hover any year.

What does the year-by-year table look like?

Page 3 shows every fifth year, and the last, in the dollar basis you pick (future dollars, as the rest of the app shows, or today's). The figures below are in today's dollars:

The example couple, every fifth year, in today's dollars

Spending, withdrawals, federal tax and ending balance for the example couple, every fifth year, in today's dollars
Pat's ageSpendingWithdrawnFederal taxEnding balance
62$95,000$101,322$0$1,890,109
67$95,000$44,199$3,606$1,943,024
72$95,000$44,199$3,606$2,298,510
77$95,000$87,979$12,706$2,747,496
82$95,000$112,585$18,119$3,284,283
87$95,000$140,613$24,285$3,956,718
92$95,000$166,230$29,921$4,807,196
94$71,250$180,559$39,412$5,187,076

Two things in the table are worth knowing. Withdrawals are high in the first year, when cash and the brokerage account pay for everything, fall once Social Security starts, and climb through the later years as required distributions grow. And from age 93 the plan models one person on their own, with lower spending and single tax filing, which page 4 explains in a line.

How do I print it or save it as a PDF?

  1. Open Plan Report in the menu, or use the card on the Overview.
  2. Choose Full report or Brief (1 page), the dollar basis, and whether to add the appendix.
  3. Press Print or save as PDF. In the print window, pick a printer, or choose Save as PDF as the destination to keep a copy.

The pages are US Letter. The preview on the screen uses the same layout as the paper, so what you see is what prints. The report is built to read in black and white as well: required distributions are striped and 72(t) payments are dotted, so no source depends on color alone.

Can I share it without my name on it?

Yes. The Hide names option replaces people's names with Person 1 and Person 2, and account, debt and income names with generic labels, in the preview and on the printed copy. It is handy for posting a question to a forum or sending the plan to someone who does not need to know whose it is. Your balances and ages are still on the page, so it hides names, not the plan itself.

Does the report send my numbers anywhere?

No. The report is assembled in your browser from results that are already on your screen. When you print, the page is laid out again locally and handed to your browser's print window, and nothing is uploaded to make the PDF. Runway's ordinary calculation still sends your numbers to its server when you calculate a plan, which then discards them; the report adds nothing to that, and it works when you have chosen to keep your plans on your device only or not to save them.

What does the report assume, and what does it leave out?

How were these numbers calculated?

Frequently asked questions

What is the Plan Report?

A printable summary of a plan in Runway. It collects the headline, the starting balance sheet, how the plan is paid for and the risks onto four US Letter pages, with an optional appendix of every year, all from the results already calculated for your plan.

Can I print it or save it as a PDF?

Yes. The Print or save as PDF button opens your browser's print window. Choose a printer to print, or Save as PDF to keep a copy. The pages are US Letter.

Can I share it without my name on it?

Yes. The Hide names option replaces people's names with Person 1 and Person 2 and account names with Account 1, Account 2 and so on, in the preview and on paper.

Does printing the report send my numbers anywhere?

No. The report is assembled in your browser from results already on your screen. Runway's normal calculation still sends your numbers to its server each time a plan is calculated, then discards them; the report adds nothing to that.

Who can use the Plan Report?

It is a Pro feature in Runway, because it draws on account-level detail, the cash flow and the stress test that Pro plans include.

Runway content is educational only and is not financial, tax, or legal advice. Consult a qualified professional before making financial decisions.

See your own plan on paper. Build a plan in Runway, then open Plan Report to print it or save it as a PDF. Your numbers stay yours.

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New to Runway? Start with the step-by-step tutorial.

About the author

Lei Huang is a former professor, turned founder and developer. He builds Runway, a DIY retirement income planner whose planning engine computes the figures in these posts. He is not a financial advisor.