Personal Financial Planning Scenario Planner

Educational workshop demo

Explore how savings, investment returns, and life events could shape your retirement — with simple, transparent math.

⚠️ Educational demonstration only. This planner uses simplified assumptions and is not financial, tax, investment, or legal advice. Real-world results will differ. Please consult a qualified professional before making financial decisions. All calculations happen in your browser — nothing you enter is saved or sent anywhere.

1. Your details

Start with the example values, then adjust them to explore. Results update instantly.

About you

Income & savings

Optional major future expense

For example: education, a home down payment, or a big trip. Leave the amount at 0 to skip.

2. Scenario & assumptions

Pick a scenario, then fine-tune its assumptions if you like. Your edits are remembered per scenario.

Using Moderate assumptions.

3. Your results

Savings at retirement

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After major expense

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First-year retirement spending

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Gap or surplus

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Year-by-year projection

View chart data as a table
Projected savings by age for each scenario
AgeConservativeModerateOptimistic

Scenario comparison

Measure Conservative Moderate Optimistic
How the calculations work (plain English)
  • Each year before retirement: savings grow by the investment return, then we add your yearly contributions (monthly amount × 12), which grow with your income growth rate.
  • Major expense: subtracted once, in the year it occurs, after adjusting it for inflation from today.
  • At retirement: your spending target (in today's dollars) is grown by inflation to get first-year retirement spending.
  • On track? We use the common "4% rule" of thumb: a nest egg of about 25× your first-year spending is considered roughly on track. The gap or surplus is the difference between your projected savings and that target.
  • After retirement: savings keep growing by the investment return while spending (rising with inflation) is withdrawn each year, projected to age 95.
  • Simplifications: smooth average returns (no market crashes), no taxes or fees, contributions stop at retirement, and no Social Security or pension income.