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Educational workshop demo

See how today’s choices could shape tomorrow.

Adjust a few simple assumptions, compare three possible futures, and learn how a basic retirement projection works.

Your planning workspace

Example values are ready to explore. Change any field and results update instantly.

Your starting point

Use rounded estimates. No information leaves this page.

Between 18 and 80

Must be later than your current age

Use take-home income if possible; taxes are not modeled

Savings and investments included in this plan

Planned amount; it grows with income in the model

Used to estimate how much income is available to save

Enter the lifestyle cost in today’s dollars; the planner adds inflation

Optional major future expense

See how one large cost before retirement could affect the plan.

The model increases this amount with inflation

This demo models expenses before retirement

Choose and customize assumptions Select a scenario for the headline result. Edit any percentage to test your own view.

Returns are applied before fees and taxes. Contributions rise with income growth but cannot exceed estimated income minus living expenses.

Live projection

Moderate scenario

Calculating…

Estimated savings at retirement — At retirement
Savings just after major expense — No expense included
First-year retirement spending — Inflation-adjusted future dollars
Estimated gap or surplus — Compared with the 25× spending target

Year-by-year savings projection

All three scenarios; amounts are future dollars.

Scenario comparison

Same starting point, different assumptions.

Scenario Return / growth / inflation At retirement Gap or surplus Outlook
How this simplified calculation works
  1. Existing savings receive one full year of the selected return. New contributions are treated as arriving evenly through the year, so they receive half a year of return.
  2. Income and planned contributions rise with the scenario’s income-growth rate. Living costs and the major expense rise with inflation.
  3. Annual contributions are capped at projected income minus projected living expenses. Taxes, employer matches, pensions, Social Security, fees, and account rules are not modeled.
  4. The retirement target is 25 times first-year retirement spending, a simplified 4% withdrawal-rule estimate. “Close” means savings reach at least 90% of that target.

Dollar figures are rounded for readability. Actual markets and personal finances do not grow smoothly each year.