Personal Financial Planning Scenario Planner

Educational demonstration only

This planner uses simplified assumptions and is not financial, tax, investment, or legal advice. Results are estimates, not guarantees. Consider consulting a qualified professional for decisions about your circumstances.

Step 1

Choose a starting scenario

Each preset changes the economic assumptions. You can fine-tune them below.

Step 2

Your starting point

Use whole-dollar estimates. Changes update results instantly.

Step 3

Your projection

Moderate

Simplified outlook

Appears on track

Estimated savings at retirement—after any earlier major expense

Savings after major expense—at the time of the expense

First-year retirement spending—future dollars, adjusted for inflation

Estimated gap or surplus—versus the simplified savings target

How “on track” is estimated

We compare retirement savings with 25× first-year retirement spending, a simple educational target based on a 4% starting withdrawal. It does not model taxes, benefits, fees, or post-retirement market changes.

Year-by-year projection

Projected savings in future dollars

SelectedOther scenarios

Compare all three scenarios

Your personal inputs stay the same; only return, income growth, and inflation assumptions change.

Scenario	Return / growth / inflation	Savings at retirement	Target	Gap or surplus	Outlook

What this simplified planner assumes

Annual projection

Savings grow once per year, then that year’s contributions are added. Contributions rise with income growth.

Future costs

Retirement spending and the optional expense rise with inflation from today until they occur.

Simple retirement target

The target is 25 times first-year retirement spending. No withdrawals after retirement are projected.