SpendGenie calculates the amount of monthly income you can spend from your retirement account. It does this by using all your retirement account balances, your investment preference, and your health to estimate how much money you can spend monthly. It is only a recommendation so if you spend a little more or a little less; or if you earn more or less in your account, thats OK. SpendGenie uses sophisticated algorithms (think stochastic models and self- driving cars!) to recalculate how much youll need going forward. Follow our recommendation, update your info regularly and never run out of money!