Estimate your balance and monthly income based on current savings and contributions.
Before inflation. Historical S&P 500 avg ≈ 10%; 7% is a conservative blended estimate.
Subtracted from the return so results are in today's money.
Projected balance at 65$492,676
in today's money, after 30 years of growth at
3.88% real
(7% less 3% inflation)
Est. monthly income (4% rule)$1,6424% annual withdrawal rate, in today's money
Growth vs. what you put in$262,676
Compounding adds this on top of the $230,000
you contribute yourself
Results are in today's dollars — the return is deflated by your inflation figure, and contributions
are assumed to rise with inflation and no faster. Assumes contributions at the start of each month.
Does not account for taxes or investment fees.
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Monte Carlo Simulator
Run your plan through thousands of possible market futures and see how many of them your money survives.
Uses the age, retirement age and
monthly contribution from the Income Projector above.
What every simulated future starts from. The same figure as the projector's
Current savings — editing it here changes it there too.
Only what your portfolio has to cover — subtract Social Security and any pension.
This is what you take out, not what you get to spend: money in a traditional
401(k) or IRA is taxed on the way out, so add the tax you expect to pay on it.
Nominal, before inflation. ≈8.5% for a balanced-to-equity portfolio.
How violently returns swing year to year. ≈15–18 all-stock, 8–11 balanced, 5–7 bond-heavy.
The age your money has to last to. 95 leaves a healthy margin for a long life.
Not run yet
The projector above shows one smooth average path. This runs the same plan thousands of
times against randomly drawn market returns instead, because the order those
returns arrive in matters enormously — a bad first decade of retirement can sink a plan
that an average-return projection shows succeeding comfortably.
What you'll get back
A success rate — the share of those futures where the money outlasts you — plus the
typical balance and a fan chart of the whole range. Most planners treat roughly
85% and above as a sound plan; chasing 100% usually means underspending
for decades to insure against a future that probably won't happen.
If the number comes back lower than you'd like, the levers that move it most are
retirement age, annual spending and
contributions — roughly in that order.
All figures are in today's dollars — inflation is netted out, so the numbers mean what
that money is worth now. Does not account for taxes, fees, or changes in spending over
retirement.
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Employer Match Optimizer
See exactly how much free retirement money you're earning — and how much you may be leaving behind.
100 = dollar-for-dollar; 50 = 50 cents per $1 you contribute
e.g. 3 = employer matches contributions up to 3% of salary
Your annual contribution$2,2503% of $75,000 salary
Employer match received$2,250of $2,250 maximum possible
Match statusFully capturedYou're earning the maximum employer match
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Social Security Benefits Estimator
Understand your projected Social Security income and plan for potential funding shortfalls.
Step 1 — Look up each person's estimated benefit at ssa.gov
A personalized Social Security estimate is available for free at
ssa.gov for
anyone with earnings history. Create a my Social Security account to view
the complete earnings history and the projected monthly benefit at ages 62, full
retirement age (FRA), and 70.
Step 2 — Record each person below
Add yourself (and anyone else in your household) with their birth year, planned claim age
and ssa.gov FRA figure. Entries save straight to your account and also appear on your
Profile page — the two read and write the same data.
No household members recorded yet. Add yourself (and anyone else in your
household) so the Retirement Health checkup and the Social Security Estimator can
allow for it.
Login or use demo mode to manage Social Security entries.
When to claim
You can begin collecting as early as 62 or delay until 70. Claiming before FRA permanently reduces your monthly amount; each year past FRA adds roughly 8% until age 70.
The general break-even age is 78–82: if you live past that, delaying typically pays off in lifetime total benefits.
Spousal & survivor benefits
A spouse may receive up to 50% of the other's FRA benefit — this does not reduce the other's own amount. Divorced spouses may also qualify if the marriage lasted 10+ years and they are currently unmarried.
Survivor benefits can reach 100% of the deceased spouse's benefit, so the higher earner delaying can significantly protect the surviving spouse.
Working while collecting early
If you claim before FRA and continue working, $1 is withheld for every $2 earned above the annual earnings limit (~$22,320 in 2025).
Once you reach FRA, withheld amounts are recredited and the earnings limit disappears entirely.
Social Security & Medicare timing
Medicare eligibility begins at 65 regardless of when you claim Social Security. If you retire before 65, plan for separate health coverage to bridge the gap.
Medicare Part B premiums are typically deducted directly from your Social Security payment once both are active.
Taxes on benefits
Up to 85% of your Social Security benefit may be federally taxable if your combined income exceeds $34,000 (individual) or $44,000 (joint) for 2025.
A Roth conversion strategy in early retirement can lower taxable income and reduce the portion of benefits subject to tax.
Cost of living adjustments (COLA)
Benefits receive annual Cost of Living Adjustments tied to inflation. Recent COLAs have ranged from 1.3% to 8.7%.
This built-in inflation protection is a key advantage over fixed pensions and makes delaying — to lock in a higher base — even more valuable.
Benefit projections are estimates only. Actual benefits depend on each person's complete earnings history.
Shortfall projections reflect SSA trustee reports as of 2024 and are subject to legislative change.
Consult ssa.gov or a licensed financial advisor for personalized guidance.
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Risk Tolerance Assessment
Answer 6 questions to find your investing risk profile, then save it to drive the asset allocation below.
Results are for educational purposes only and are not personalized financial advice. Consult a licensed financial advisor for guidance tailored to your full financial situation.
Sources and methodology for the questions and risk profile framework:
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Asset Allocation Guidance
Understand how to diversify your investment portfolio.
Get a target stock/bond mix based on your age and risk comfort.
Recommended allocation
75% Stocks
25% Bonds
Balanced growth. Pursues returns while managing volatility as retirement approaches.
Stocks (75%)Growth-oriented. Higher short-term volatility, higher long-term return potential.e.g. US index funds, international ETFs
Bonds (25%)Stability and income. Lower volatility, lower return.e.g. US Treasury bonds, bond index funds
Based on the rule of 110 (110 − age = stock %). This is a starting framework, not personalized financial advice.
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