Action Items (3)
Build an emergency fund
You have $0 in cash — aim for $18.8K to $37.5K (3-6 months expenses).
Savings run out at age 75
Increase monthly savings or reduce spending to extend your money to age 95.
Personalize your plan
Update your age, state, and filing status for accurate tax projections.
My Savings
$0
At retirement$1.14M
Money lasts toAge 75
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$10,333/mo
Expenses$10,333/mo
Surplus+$0/mo
SS starts at 67 → income becomes $13,524/mo
Plan Score
Savings run out at age 75
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
Portfolio at Retire
$1.14M
Money Lasts To
Age 75
Lifetime Income
$6.18M
Lifetime Taxes
$1.03M
Lifetime Expenses
$9.07M
Avg Tax Rate
16.6%