Feedback regarding the new visuals for the Withdrawal Rate Calculator gets one big thumbs up here!
I find the way in which it visualizes a perpetual & safe withdrawal rates a very nice way to look at passive portfolios for those who intend to pursue ERE with some planned earned income. My largest concern regarding a "partial retirement" is reaching an older age when small levels of supplemental wage income could be more difficult to come by and/or less appealing to earn. While simultaneously my second largest concern is to ensure I'm not going to leave too much money on the table at death as I have very little legacy concerns and do not want to accidentally "over earn" in the next few decades. It's relatively easy for me to make a personal decision of $X inflation adjusted at age 67 should carry through to death without leaving too much on the table. The chart visual change clearly illustrates the following: I have $X now, how much can I plan to withdraw in a worst case through year 10.15, 20, etc years and still be reasonably assured that I will not draw down on the original inflation adjusted principle needed for traditional retirement, along with what is the current SRW for the ensuing years after "full-retirement".
IOW, My previous tracking plan was an annual calculation in which I would determine I had $X dollars of inflation adjusted gains (or losses). My budget is $X+$Y, so I need to earn $Y next year to maintain. Year by year this would insure principle is maintained, but value $Y would wildly (hopefully less wildly thanks to your charts) fluctuate, and could lead to over saving in a positive sequence of returns environment. With this single visual I can determine that (historically speaking), I can with draw z% over the next 27 years and be reasonably assured that original principle will remain intact for traditional retirement, no matter the single year returns, then switch the SWR for remaining life. This makes it much easier to plan a $Y amount going forward. Which is very helpful for a person in my set of circumstances. Nicely done!
Of course, the usual disclaimer I will not base my entire strategy on this, rather its a very helpful visual tool to make for better planning and progress tracking. It's most likely I will use a combination of the above methods for my draw down, as I'm too pessimistic to believe the future will be as good as the past