I really like the "early retirement now" spreadsheet for that reason. (https://earlyretirementnow.com/2018/08/29/google-sheet-updates-swr-series-part-28/ https:

I really like the "early retirement now" spreadsheet for that reason. (https://earlyretirementnow.com/2018/08/29/google-sheet-updates-swr-series-part-28/ https://earlyretirementnow.com/2018/08/29/google-sheet-updat...) It allows you to plug in expected cash flows and your allocation model, and compares it to the stock market history to get a safe withdrawal rate. Using that you can also try out alternate scenarios like "what if I converted x00k of my savings to an annuity in exchange for a predictable cash flow" and see how it affects your withdrawal rate.