{ "version": "1.0.0", "created": "2026-09-17", "publisher": "l0g.fr", "status": "synthetic_educational_not_historical", "currency": "EUR", "source": "Original deterministic l0g calculations, not an empirical market dataset.", "historical_period": null, "forecast": false, "probability_model": false, "definitions": { "return_pct": "Nominal annual total return, dividends included, before additional entered fees.", "annual_fee_pct": "Fee applied to assets after the annual return and before the withdrawal.", "budget_nominal_eur": "withdrawal * (1 + inflation/100)^(year-1). First payment at end of year 1.", "proportional_fraction": "withdrawal / initial, applied to available assets after return and fee.", "requested_nominal_eur": "Indexed budget in fixed mode; available assets times fraction in proportional mode.", "paid_nominal_eur": "Minimum of requested payment and available assets. No borrowing.", "budget_gap_nominal_eur": "max(0, budget minus actual payment), not a guarantee or a measure of total household income.", "closing_time0_eur": "Closing nominal capital divided by (1 + inflation/100)^year.", "total_paid": "Sum of nominal annual payments without discounting, not a present value." }, "limits": [ "No future contributions, taxes, changing allocation, separate dividend payout or product guarantees.", "No mortality or pension model.", "B reverses A exactly; this gives no probability or recommended withdrawal rate.", "The 30-year example was deliberately constructed with two early losses in A. It is not representative." ], "scenarios": [ { "id": "thirty-years", "input": { "initial": 200000, "withdrawal": 10000, "inflation": 2, "fee": 0, "mode": "fixed", "returns": [ -20, -10, 5, 8, 12, 10, 7, 15, 4, 11, 6, 9, 3, 14, 8, 5, 12, 6, 10, 7, 9, 4, 13, 8, 11, 5, 15, 6, 12, 9 ] }, "returns_b": [ 9, 12, 6, 15, 5, 11, 8, 13, 4, 9, 7, 10, 6, 12, 5, 8, 14, 3, 9, 6, 11, 4, 15, 7, 10, 12, 8, 5, -10, -20 ], "result": { "a": { "rows": [ { "year": 1, "returnPct": -20, "opening": 200000, "available": 160000, "budget": 10000, "requested": 10000, "paid": 10000, "shortfall": 0, "closing": 150000, "realClosing": 147058.82352941178 }, { "year": 2, "returnPct": -10, "opening": 150000, "available": 135000, "budget": 10200, "requested": 10200, "paid": 10200, "shortfall": 0, "closing": 124800, "realClosing": 119953.86389850058 }, { "year": 3, "returnPct": 5, "opening": 124800, "available": 131040, "budget": 10404, "requested": 10404, "paid": 10404, "shortfall": 0, "closing": 120636, "realClosing": 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