Welcome
Let's build your plan
Add your savings and income on the left and your verdict appears here — one sentence, one chart, every dollar auditable. Nothing is judged until your real numbers are in.
My Savings
$0
Entering retirement$1.02M
Today (Age 40)
Income$8,333/mo
Expenses$7,150/mo
Left Over+$1,183/mo
14% savings rate · $1.5K/mo investing
Retirement (Age 65)
Income$10,507/mo
Expenses$10,333/mo
Surplus+$174/mo
SS starts at 67 → income becomes $14,327/mo
Income vs. Expenses
Total Net Worth (incl. RE)
Liquid (spendable)
Salary
SS
Pension
Rental
Expenses
Why does this differ from a simple compound-interest calculator?
A back-of-napkin
balance × (1 + r)n assumes you earn the same rate every year on the entire portfolio with no drag. Our projection is more conservative on purpose:- Retirement allocation drag. Your expected return drops in retirement (default: 60% of working-years return — set by the "Retirement return %" assumption on the inputs panel). Most retirees shift to a bond-heavier mix, lowering expected return.
- Cash drag. Cash holdings earn ~3% (working) / 2.5% (retired), not the equity return.
- Tax gross-up on withdrawals. To net $80K of spending from a 401(k), you withdraw ~$100K and pay tax on the difference. Simple compounding ignores this — we model it iteratively across brackets.
- Real estate & 529 are shown but excluded from spendable. The blue dashed line ("Liquid") is what you can actually draw from; the green line includes appreciating illiquid assets.
No Legacy — Savings Depleted
Consider: saving more, working longer, or reducing spending
$0
Lifetime Income
$6.97M
Lifetime Taxes
$959K
Lifetime Expenses
$9.63M
Avg Tax Rate
13.8%