This is the difference between a what-if and a duplicate plan. A duplicate starts drifting the moment your income or balances change; a what-if does not.
Step by step
- Start a what-if from your plan. It begins identical to the real plan.
- Flip the switches you want to test. Retirement age, withdrawal rule, lifestyle creep, horizon and a scheduled market shock. They combine.
- Pin plans to compare. Up to four plans can be pinned, and every chart shows them together.
- Read the paired comparison. When two runs share the same market draws, Killion reports how often the change helped, world by world, rather than comparing two medians.
The paired figure is the one to trust. A change that raises the median but helps in only 55% of worlds is a coin flip dressed as an improvement.