The scenario planner compares what you are on track to save against a retirement income goal you set yourself. Every figure comes from the inputs you enter plus the assumptions listed here, applied the same way to each scenario so the columns stay comparable.
How the projection is built
Your current balance grows at a fixed annual real return. New contributions are added monthly and compounded on the same schedule. The income goal is converted into a required balance using a withdrawal rate you can adjust, then discounted back to today. The difference between the projected balance and the required balance is the gap shown in amber, or the surplus shown in teal.
What the model leaves out
Federal and state taxes, Social Security claiming timing, pension rules, healthcare premiums, and long-term care costs sit outside the projection. A gap is a signal to consider further planning, not a crisis. All projections are hypothetical and not guarantees of future results.
This tool is for educational purposes only and does not constitute financial, investment, or tax advice. We do not store or transmit your inputs. All calculations happen in your browser.
This tool is not affiliated with the Social Security Administration, IRS, or any government agency.
