A clearer path to financial freedom

When can you retire?

See how your savings, investments, income, and spending could shape your path to financial independence.

See how it works

✓ No account required✓ Your data stays on this device

YOUR RETIREMENT OUTLOOKOn track

Potential retirement age587 years ahead of plan

Projected portfolio$1.84M

Monthly income$7,240

Financial independence63%

Saving more helps+$500/mo −3 years

A complete picture, made simple

Four steps to your retirement outlook

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Tell us about yourself

Set your timeline, income, spending, and goals.

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Add your accounts

Bring every investment, cash account, and asset together.

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See your timeline

Get a transparent year-by-year projection.

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Explore scenarios

See how small changes could move your date.

Step 1 of 4

STEP 1 OF 4

Let’s start with you

These details establish your timeline and the lifestyle you want to support.

Your timeline

Current ageHow old are you today?Desired retirement ageYour initial target—we’ll estimate yours.Plan through ageA conservative longevity assumption.

Income & spending

Current annual income

Expected income growth

Current annual spending

Annual spending in retirement

In today’s dollars, before inflation.

Starting assumptions

We’ve added commonly used planning assumptions. You can refine these later.

Inflation

Return before retirement

Return during retirement

Desired emergency fund

STEP 2 OF 4

Bring your financial life together

Add only what you have. You can add multiple accounts of any type.

Total assets added$0

Annual contributions$0

Accounts0

STEP 3 OF 4

Debt and reliable income

Liabilities affect net worth. Guaranteed income can reduce how much your portfolio needs to provide.

Debt

Mortgage, cards, student loans, and other balances.

Total outstanding debt$0

Pension & guaranteed income

Benefits that begin at a known age.

STEP 4 OF 4

Fine-tune your assumptions

Small differences compound over time. Adjust anything to match your view of the future.

Safe withdrawal rate

The percentage of your portfolio withdrawn in your first retirement year.

Pre-retirement savings

Additional yearly savings beyond the accounts you added.

Retirement spending

Your desired annual lifestyle in today’s dollars.

Desired retirement age

Your target—not a promise. We’ll test whether the portfolio lasts.

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Planning note

Returns are entered as steady averages for illustration. Real markets vary from year to year, and taxes and fees can reduce results.

YOUR RETIREMENT OUTLOOK

Based on your assumptions, you could potentially retire around age —.

This is an estimate—not a guarantee. Explore the assumptions and scenarios below.

ESTIMATED YEAR——

Current net worth—Assets minus debt

Portfolio at retirement—Projected value

Monthly retirement income—Portfolio + guaranteed income

Annual retirement spending—Inflation-adjusted

PORTFOLIO PROJECTION

Your money over time

PortfolioRetirement

— projected peak— sustainability

FINANCIAL INDEPENDENCE

0%of target

You’re building momentum

Calculated by comparing retirement assets with your target portfolio.

ASSET BREAKDOWN

Where your money is

WHAT IF?

See what could move your date

Changes update your estimated sustainable retirement age instantly.

Retire later 0 yearsInvestment return No changeRetirement spending No change

With these changesEstimated retirement age ——

View all assumptions used ⌄

This calculator provides estimates for educational and planning purposes only. It is not personalized financial, tax, legal, or investment advice. Results depend on assumptions and actual outcomes will vary.

Saved on this device

HELP US IMPROVE

Questions, errors, or suggestions?

If something looks wrong or you have an idea that would make the planner more useful, I’d like to hear from you. Please don’t include account numbers, passwords, or other sensitive financial information.

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