The earliest row is your baseline; each later row sets annual living spend from that year on. The Expense scaler multiplies the whole schedule.
Your one-off items
Incomes are gross (pre-tax); the model applies NZ income tax + ACC levy (F17/F18) and deducts KiwiSaver, so the "Income" column is net take-home. Total wealth includes KiwiSaver (locked until 65, then merges into accessible); accessible investments is what you can draw on any time. The dashed purple pessimistic line (W2) repeats the scenario with returns crashing to 1% for the first 10 years after you stop earning. The dotted red line is the 6-month emergency floor (W1). "Money runs out" means the accessible bucket goes negative.
When income stops
At horizon
Money runs out
Earliest safe retirement
Every assumption the model uses, by its F#/W# label. Values shown are the built-in defaults — your inputs, sliders and lists override them (use “Reset to model defaults” to return here).