Personal Financial Planning Scenario Planner

Step 1

Choose a scenario

Start with a preset, then fine-tune its assumptions. Changes apply only to the selected scenario.

Assumptions in use

Percentages are annual estimates, not guarantees.

Investment return

Average yearly portfolio growth.

Income growth

Used to increase savings contributions.

Inflation

Used to estimate future spending costs.

Step 2

Tell us about your plan

Use rough estimates if you are unsure. This is for learning, not precision forecasting.

Your timeline

Current age

Age today, from 18 to 90.

Planned retirement age

Must be later than your current age.

Income and savings

Current annual income

Before-tax income; shown for context.

Current savings

Savings invested toward this plan.

Monthly savings contribution

Assumed to rise with income growth.

Spending

Current annual expenses

Included to help compare your plan with today.

Expected retirement spending

Annual amount in today’s dollars.

Optional major future expense

Leave the amount at $0 to exclude a major expense.

Expense amount

Enter the cost in today’s dollars.

Age when it occurs

Can be before or after retirement.

Step 3

Your estimated outlook

Moderate scenario · age 35 to 67

Simplified plan check

Your plan appears on track

Savings at retirement

Savings after major expense

First-year retirement spending

$0 Future dollars

Estimated surplus

$0 Compared with the simplified 4% target

Year-by-year projection

Projected savings balance through at least 30 years of retirement.

View projection as a data table

Year-by-year savings projection
Year	Age	Phase	End balance

Compare all three scenarios

Uses the same personal inputs with each scenario’s current assumptions.

Scenario	Return / growth / inflation	At retirement	Gap or surplus	Plan check

How these estimates are calculated

Each year before retirement, the planner applies the selected investment return and adds 12 monthly contributions. Contributions rise with the income-growth assumption. The optional expense rises with inflation and is deducted at the chosen age.

At retirement, the plan target equals first-year retirement spending divided by 4% (25 times spending). After retirement, the chart applies investment growth, then subtracts spending that rises with inflation. Values are estimates in future dollars.