Personal Financial Planning Scenario Planner

Planner Inputs

Start with the example values, then adjust them to see how the outcomes change.

Selected scenario

Conservative Moderate Optimistic

Current age

Your age today.

Planned retirement age

The age when you expect to stop full-time work.

Current annual income

Example: 75000

Current savings

Savings and investments already set aside.

Monthly savings contribution

How much you plan to add each month.

Expected annual investment return (%)

This can be adjusted by the selected scenario.

Expected annual income growth (%)

Used for simple long-term income estimates.

Inflation rate (%)

Higher inflation increases future expenses.

Current annual expenses

Your approximate yearly spending today.

Expected retirement spending

Estimated annual spending once retired.

Optional major future expense

Example: home purchase, education, or travel.

Age when the major expense occurs

Leave blank if you do not want to include a future expense.

The planner updates automatically as you change inputs or switch scenarios.

Investment return 0%

Income growth 0%

Inflation 0%

Each scenario nudges these values up or down. You can still edit the inputs yourself at any time.

Enter values to see whether the plan appears on track.

This chart shows projected savings growth before retirement under the selected scenario.

Comparison table for conservative, moderate, and optimistic scenarios
Scenario	Savings at retirement	After major expense	First-year retirement spending	Gap or surplus	Status

Savings grow each year using the selected investment return.
Monthly contributions are added throughout the working years.
The optional major future expense is subtracted when it occurs.
Retirement spending is adjusted for inflation until retirement.
The gap or surplus compares estimated savings after the expense to 25 times first-year retirement spending, a simple educational rule of thumb.