BEFORE · STARTING SCENARIO
Saving $1,000 per month
$577,863Modeled savings at age 67
$1,926/month illustrative first-year income from savings
YOUR NEXT CHAPTER, IN NUMBERS
What could your savings
pay you in retirement?
See an estimated monthly income, the gap to your spending goal, and five questions to take to a human review.
✓ No account required✓ See your results first✓ Educational, not investment advice
01 / START WITH YOUR NUMBERSA clearer picture.
A better conversation.
A better conversation.
BEFORE & AFTER A HYPOTHETICAL ADJUSTMENT
Same starting point. One change to explore.
See the kind of comparison you can make with your report. This example changes monthly savings—not the portfolio or its assumed return.
AFTER · ADJUSTED SCENARIO
Saving $1,250 per month
$612,115Modeled savings at age 67
$2,040/month illustrative first-year income from savings
What changed: $250 more contributed each month for 12 years. That requires $36,000 in additional contributions; the modeled difference is not investment performance.
See the example’s assumptions and limits
Both scenarios start at age 55 with $350,000 saved and retirement at 67. Both assume a constant 5% annual return after fees, 3% inflation and a 4% first-year withdrawal. Values shown are rounded, before taxes and in today’s dollars. Monthly contributions stay constant in nominal dollars and are added at month-end. No other income is included.
This is a mathematical illustration, not a forecast, actual client result or recommendation. Actual results may be lower, including losses. Taxes, market variability, contribution limits and how long savings last are not modeled. Changing a portfolio can change risk and costs; this tool does not evaluate investment selections. Review affordability, account rules and any changes with a qualified professional.
AI-generated illustrative photos. These people are not clients or testimonials. Neither photo depicts an achieved financial outcome.
Explore with my own numbers →YOUR EDUCATIONAL REPORT
Your retirement picture at age
PROJECTED RETIREMENT SAVINGS
In today’s dollars
ILLUSTRATIVE MONTHLY INCOME
Before taxes, in today’s dollars
Monthly spending goal:
ILLUSTRATIVE INCOME COVERAGE
of your spending goal
How the A–F bands work
Our simple, site-defined bands compare illustrative first-year income with your entered spending: A ≥100%; B 90–99.99%; C 75–89.99%; D 50–74.99%; F <50%. The band uses the unrounded percentage.
These bands are not validated financial ratings, a grade of your investments or adviser, or a probability of success. An A does not establish that you are ready to retire.
A USEFUL NEXT QUESTION
Also consider taxes, healthcare costs, how long retirement may last, and whether your income estimates have been verified. A human can evaluate factors this short calculator cannot.
Your report is available below. Live chat, report email and appointment booking are not available on this initial release.
CHANGE THE ASSUMPTION, CHANGE THE PICTURE
Three return scenarios
These vary only the assumed annual return. They are not probabilities, forecasts, or best- and worst-case outcomes. All amounts below are in today’s dollars; income includes your entered other income.
| Scenario | Annual return | Savings at retirement | Monthly income |
|---|
Your assumptions
Contributions stay constant in nominal dollars and are added at month-end. The annual return is converted to an effective monthly rate. Inflation adjusts future balances into today’s dollars. Other income is your own estimate; we do not calculate Social Security benefits.
No taxes, variable market returns, sequence-of-returns risk, longevity, contribution limits, account rules or changing expenses are modeled. Use an after-fee return assumption. This estimate does not recommend investments, a retirement date, or a 401(k) rollover.
Read the calculation method and limitations →TAKE THESE TO A HUMAN REVIEW
Five questions your numbers cannot answer alone
- How would taxes change the income I could actually spend?
- What happens if returns are lower early in retirement?
- How long might these savings need to last?
- Have I included healthcare costs and changes in spending?
- Which income estimates and account rules should we verify?
KEEP YOUR NEXT STEP SIMPLE
Keep your snapshot. Bring better questions.
Your downloadable report includes your numbers, three scenarios, the assumptions, and the five questions above.
Download your copy below. Email delivery is being set up.
A HUMAN CAN HELP WITH THE NEXT STEP
Speak to a person about your snapshot
A calculator can raise useful questions. A qualified professional can consider the details it does not include.
Phone support and appointment booking are being set up. You can use and download your report now; no call or appointment is requested by clicking this button.
Return to my calculator →NUMBERS FIRST. HUMAN JUDGMENT ALWAYS.
Use a calculator to explore.
Use a conversation to put it in context.
Markets, taxes, healthcare costs, and your plans can change. This educational checkup helps you see the questions—not choose investments or decide whether to move your 401(k).
BEFORE YOU MAKE A DECISION
A few things worth knowing.
Does AI calculate my retirement results?
This calculator uses transparent mathematical formulas. It does not use generative AI to calculate or grade your finances. AI conversation and human appointment features are being prepared separately. Any AI response should be checked before you act on it.
What should I do with a 401(k) after leaving a job?
Common options include leaving the money in the old plan if allowed, transferring to an accepting new employer’s plan, rolling into an IRA, or taking a distribution. Costs, protections, services and tax consequences differ. This calculator does not determine which option is right for you.
Read the IRS overview of leaving a job →Why involve a human if I already have a report?
A short calculator cannot evaluate your complete circumstances. For example, an illustration that ignores withdrawal taxes could make a retirement budget look better than it is. That is a hypothetical example—not a customer story. A qualified professional can review the assumptions, account rules and trade-offs before you decide.
Do I have to share my contact information?
No. The initial calculator runs in your browser. You can view and download the report without entering an email address or phone number.