[WalterGR]

Ah, it does not assume that you'll die:

The retirement calculator takes the Total retirement savings and calculates how much monthly income a 4% annuity would generate without drawing from the principal. This indicates the type of lifestyle you can expect without running out of money.

Or, to put it another way: it assumes that you want to be worth roughly the same at death as you were at retirement.

That's fine, but it bears mentioning - since it assumes you want to pass on potentially millions of dollars at the time of your death.

If you aim to break even at death, that changes the calculations.

[leetcrew]

> If you aim to break even at death, that changes the calculations.

do many people do this? seems unwise given the uncertainty in our lifetimes.