OP here. My yearly spending number is 36k and at 30 years with 850k these are my numbers WITHOUT the pension....

FIRECalc looked at the 118 possible 30 year periods in the available data, starting with a portfolio of $850,000 and spending your specified amounts each year thereafter.

Here is how your portfolio would have fared in each of the 118 cycles. The lowest and highest portfolio balance at the end of your retirement was $-632,355 to $4,646,438, with an average at the end of $1,418,000. (Note: this is looking at all the possible periods; values are in terms of the dollars as of the beginning of the retirement period for each cycle.)

For our purposes, failure means the portfolio was depleted before the end of the 30 years. FIRECalc found that 9 cycles failed, for a success rate of **92.4%.**

These are the numbers when I ADD the $2900 a month pension

FIRECalc looked at the 118 possible 30 year periods in the available data, starting with a portfolio of $850,000 and spending your specified amounts each year thereafter.

Here is how your portfolio would have fared in each of the 118 cycles. The lowest and highest portfolio balance at the end of your retirement was $-565,385 to $4,688,228, with an average at the end of $1,459,716. (Note: this is looking at all the possible periods; values are in terms of the dollars as of the beginning of the retirement period for each cycle.)

For our purposes, failure means the portfolio was depleted before the end of the 30 years. FIRECalc found that 8 cycles failed, for a success rate of **93.2%.**

**What am I doing wrong? I dont see how the success rate can only be .8% higher.**

Thanks in advance as I have tried 10 times and cant figure this out.