Offramp
Buyout · Severance · Voluntary retirement offer

A payout is a number. Retirement is a distribution.

Severance, buyout, or no package at all — most calculators hand you a single figure. Offramp runs your savings, spending, and Social Security through thousands of simulated market futures to answer the real question: can you stop working — and how sure can you be?

⏻ 100% in-browser · nothing is uploaded or stored
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STEP 1

Your household

Dependents — adds their healthcare until each ages off your coverage

Their other living costs belong in essential spending or in Step 3's expense rows (e.g. tuition) — don't double-count them here.

STEP 2

Severance package — if any; leave at 0 to model retirement readiness alone

STEP 3

Spending — layered, not flat

Each person switches from the pre-Medicare cost to the post-65 cost at their own 65th birthday — an age gap means the household pays the higher rate for the younger spouse's remaining pre-65 years.

One-time & multi-year expenses — tuition for 4 yrs, a car every 15 yrs, paint house every 10…
STEP 4

Portfolio & Social Security

Plan success to horizon
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Net package (after tax)
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Cash runway (no returns)
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net package + defensive sleeve ÷ net spending
Median ending balance
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Funding ribbon

Funding sources along the median simulation (the dark line in the fan chart below). Red ▼ markers on the bar flag tail risk; the line beneath the chart states the age by which 5%, 10%, and 25% of all simulations have run out of money.

Package cash Portfolio-funded Social Security era Median path depleted ▼ % of simulations failed by that age

Portfolio paths — Monte Carlo fan

5,000 simulated market futures. Bands show the 10th–90th and 25th–75th percentile range; each edge is labeled with its value at the horizon on the right. The dark line is the median of all paths.

▲ year with a one-time / multi-year / recurring expense (from Step 3)

Stress test — 2008-style crash in year one

A single deterministic bad-sequence replay — separate from the Monte Carlo above: growth assets −37%, −12%, then recovery, with average markets after. Monte Carlo reference rows are labeled with the fan-chart line they correspond to.

Methodology & assumptions

This is an educational model, not financial advice. Offramp shows the output of a simplified simulation under stated assumptions — it does not know your tax situation, health, or goals, and it makes no recommendation. Severance withholding shown is an estimate; actual tax owed depends on your full-year return. Consult a fiduciary advisor and a tax professional before acting on a separation offer.
GUIDES

Read before you decide

Should you take the severance package?

Why the payout number can't answer the question, and the probability that can.
What a lifetime annuity really buys

Floor up, ceiling down: the honest math of annuitizing part of a buyout.
The age-gap couple's retirement math

A younger spouse changes the horizon, the healthcare bill, and the Social Security strategy.