Calculators
Start with the math. Then look at what the math leaves out.
These tools are intentionally educational. They are built to surface better questions about retirement income, taxes, timing, inflation, and risk, not to replace a coordinated plan.
Retirement number
Will your current path support the income you want in retirement?
Start with the core retirement math: assets, savings, time, expected return, income needs, outside income, and withdrawal rate. Then use the result as a planning prompt.
What it does not solve
This does not model tax brackets, Roth conversion windows, IRMAA, survivor benefits, long-term care, estate goals, or sequence risk. Those are exactly why the calculator is a starting point instead of a plan.
Projected portfolio
$0
Portfolio need
$0
Surplus / gap
$0
Sequence risk
Same average return. Very different outcome.
Each scenario below averages 8% per year over 30 years. The only thing changing is the order of returns. Once withdrawals begin, that order can change the retirement experience dramatically.
The point
Average return is not the whole story. Timing, withdrawal flexibility, cash reserves, taxes, and portfolio design all matter once a paycheck turns into portfolio income.
Fixed assumption
Every scenario averages 5% per year after inflation over 30 years.
The order of returns is the only market assumption that changes.
Steady 5% after inflation
Average annual return: 5.0% after inflation over 30 years.
Ending portfolio
$0
Lowest balance
$0
Money lasts
30 years
Want the full retirement readiness framework?
The guide expands this idea into retirement timing, income, taxes, market risk, healthcare, and the decisions that need to work together.
Next step
Want help making sense of the result?
A calculator can show a number. A conversation can help you understand what to do with it.
Read the retirement guide