Four Pillar Calculator __full__ May 2026

If the total number is lower than your current salary, you have work to do. If it’s higher, you have peace of mind.

But if 80% of that $800,000 is in Pillar 4 (their house) and Pillar 2 (stocks), they are . When the market crashes, they have to sell stocks at a loss. When the roof leaks, they can’t sell one brick of the house to pay the roofer. four pillar calculator

Have you run your Four Pillar numbers? Did you find a surprise weakness? Let me know in the comments below. If the total number is lower than your

By keeping 2-3 years of living expenses in Cash (Pillar 3) , you allow your Investments (Pillar 2) to weather the next bear market without selling a single share. When the market recovers (it always has), you refill Pillar 3. When the market crashes, they have to sell stocks at a loss

Without that buffer, your retirement plan is just a gamble on stock market timing. You don't need a financial advisor to build a Four Pillar Calculator. Open Excel. List your four buckets. Apply the 4% rule to your investments and a 5-year spend-down to your cash.

The solves this by stress-testing your withdrawal rate against each pillar’s unique liquidity and risk profile. How to Use the Calculator (The 3-Step Checkup) You don't need a fancy software. You can do this in a spreadsheet in 10 minutes.

You’ve probably heard of the “Three-Legged Stool” of retirement: Social Security, a pension, and personal savings. But in today’s economy, that stool is starting to wobble.