T-06Instrument
Retirement projection simulator
Rough savings path with simple assumptions—useful for direction, not a promise of retirement income. Adjust inputs to see how outputs move. For learning, not a recommendation.
- Runs in
- Your browser
- Your inputs
- Stay on your device
- Output
- Arithmetic on your inputs
- Assumptions
- Stated in the notes
Run the retirement projection simulator
Change a few inputs, read the summary, and reset if you want to compare cases. Outputs update as you edit so you can see how sensitive each result is to your assumptions.
Nominal balance
$3M
Raw dollars at the retirement start date.
Today's dollars
$2M
Inflation-adjusted view of the same future balance.
4% rule estimate
$130K
A quick annual draw estimate before tax planning.
Output path
The line updates immediately as you change the assumptions.
42 to 65
Sustainable real income
$112K
Approximate annual spending in today's dollars if the portfolio must last through retirement.
Output is arithmetic on the inputs above. It leaves out taxes, fees and timing unless the panel says otherwise, and it is not a forecast.
What to look for
Inputs
Small changes first—see which numbers move the most.
Outputs
Charts and short text explain the result in plain language.
Limits
Models simplify real life. Taxes, fees, and timing can differ for you.
Not investment advice
Articles and calculators on this site are for learning. They are not a recommendation to buy or sell any security, and they are not tailored to your personal situation.
- Education vs personal advice. If you work with an adviser, that relationship has its own agreements and disclosures. Reading here does not replace that.
- No outcome guarantees. Markets are uncertain. We write to explain ideas and trade-offs—not to promise returns or timing.