1. Your realistic spending need
Start with recurring essentials, discretionary spending, taxes, healthcare, debt, and irregular costs such as home repairs. A gross-pay replacement target is often less useful than a complete spending estimate.
2. Your reliable income floor
List Social Security, pensions, annuities, and dependable part-time income separately from portfolio withdrawals. This helps show how much of the monthly need relies on investments.
3. Your downside margin
Run a higher-inflation and early-market-decline scenario. A plan with a comfortable average outcome can still have less flexibility during difficult early years.
Compare your retirement dates privately
Use the interactive demo to test a retire-now and work-longer scenario with your own assumptions. No account is required to begin.
Educational only: This is general information, not individualized investment, tax, legal, or financial advice.