Personal Financial Planning Scenario Planner

Build your plan

Tell us about the scenario

Start with the example values, then change anything to see results update.

Choose a planning lens

Each lens starts with different illustrative assumptions. You can customize any of them below.

Conservative Lower return, higher inflation 4% return · 2% growth · 3.5% inflation Moderate Balanced middle assumptions 6% return · 3% growth · 2.5% inflation Optimistic Higher return, lower inflation 8% return · 4% growth · 2% inflation

Step 1

Your starting point

Current age

A whole number from 18 to 89.

Planned retirement age

Must be later than your current age.

Current annual income ($)

Before taxes, in today’s dollars.

Current savings and investments ($)

Include only savings you want modeled for retirement.

Step 2

Saving and spending

Monthly savings contribution ($)

The model grows this contribution each year with income growth.

Current annual expenses ($)

Used to check whether the planned contribution fits your simplified cash flow.

Expected annual retirement spending ($)

Enter today’s dollars. The planner increases this amount with inflation.

Step 3

Scenario assumptions

Editing Moderate

Annual investment return (%)

A constant yearly return before taxes and fees.

Annual income growth (%)

Also controls how the contribution grows.

Inflation rate (%)

Raises future spending and the major expense.

Step 4 · Optional

One major future expense

Include a future expense For example, education, a home purchase, or travel.

Your projection

Scenario results

Updates automatically

Personal Financial Planning Scenario Summary

Selected scenario

Moderate

Return: 6%
Income growth: 3%
Inflation: 2.5%

Estimated savings at retirement

$0 At age 67 · future dollars

Estimated savings after major expense

— No major expense included

First-year retirement spending

$0 Inflation-adjusted future dollars

Estimated gap

$0 Compared with a $0 target

Year-by-year view

Projected savings over time

Future dollars

Conservative
Moderate
Optimistic

View the full year-by-year data table

The table shows the selected scenario. “Contribution” is the amount added during that modeled year.

Year-by-year projection
Year	Age	Income	Expenses	Contribution	Investment change	Major expense	Ending savings

Side-by-side

Compare all three scenarios

The same personal inputs are used in every row; only the three scenario assumptions change.

Comparison of all planning scenarios
Scenario	Return / growth / inflation	Savings at retirement	Illustrative target	Gap or surplus	Outlook

How this estimate works

A transparent annual illustration

Your starting savings receive the selected annual return.
Your yearly contribution starts at 12 times the monthly amount and grows with income growth.
A selected major expense is increased by inflation, then deducted once in its chosen year.
Your retirement spending is increased by inflation through retirement.
The illustrative target equals first-year retirement spending multiplied by 25—the simplified 4% guideline.

Contributions are treated as arriving at year-end. Current expenses are used only for a cash-flow affordability check; the model does not silently save unused income. If an expense is larger than the available savings, the balance stops at $0 and the unfunded portion is reported.

The model omits taxes, fees, market volatility, debt, employer matching, pensions, Social Security, healthcare shocks, and withdrawals after retirement. Constant rates are illustrations, not forecasts.

Your entries stay private. This static page calculates everything on your device and does not save or transmit any entry.