Your Expenses

Hedgematic allows you to specify income requirements for each individual year of retirement. These figures should be entered in today’s dollars. Values should be required actual after-tax disposable income. Hedgematic will optimize taxes over the course of your retirement and give you results in today’s dollars.

If you need the same amount every year, starting today, just type it in and move on. Hedgematic will tell you when your retirement can start.

If you anticipate different income requirements for upcoming phases of your life, set up multiple intervals and assign needed income to each, using the buttons at the end of each row to:

• Split the last year off into its own new row.
• Move the last year of an interval down into the next row.
• Move the first year of an interval up into the previous row.
• Remove a one-year interval, by combining it with the previous row.

For example:

• Our illustrated couple have a mortgage that will be paid off in 2033. They split off a second row, pressed the down arrow nine times, and entered dollar figures for each row.
• If you have a target retirement date, use the same approach to start your retirement later. Enter zeros for the years you plan to be working. Any surplus will be credited to your estate.