The meter for your Retirement Spending Ability compares your desired Retirement Spending Goal to a Projected spending.

Projected spending is an estimate of the monthly spending amount that can be sustained until the life expectancy age set in the Assumptions of the Retirement Planner. Personal capital uses a cash-flow and Monte-Carlo simulation of 5,000 runs to calculate the expected portfolio value at retirement, and then assesses the withdrawal amount that you can sustain without depleting your portfolio in the median scenario.