The Retirement Planner runs Monte Carlo simulations to deliver a robust, personalized retirement projection. The simulations begin with your Starting Portfolio and incorporate expected return and volatility, Annual Savings, Income (Income Events), Spending goals, Retirement Spending, Social Security, and tax rules for taxable, tax-deferred, and tax-free investment accounts. The projection is then displayed on a timeline from your current age to the Life Expectancy mapping both your Income and Spending goals throughout the Accumulation and Distribution phases.