🔒 Access Restricted
To use this tool you must first agree to the disclaimers.
Step 1: Who's in your household?
Add everyone you want to track. Check Include in financial planning for anyone who's saving for retirement or will have income like Social Security — they'll appear in the savings and income steps. Others will show up as age markers in your results.
💡 Privacy tip: Consider using first names or nicknames only, especially if you plan to share your retirement plan with others.
Step 2: When would you ideally like to retire, and what will you spend?
Pick a target retirement age and estimate your monthly spending. We'll calculate how much you need to save.
Step 3: What have you saved so far?
Tell us who's saving for retirement, how much you've already saved, and how much you're adding each year.
Step 4: Choose a market scenario
Select how optimistic you are about long-term market performance. Each scenario uses historical market data to estimate how your savings might grow — both while you're working and after you retire.
🐻 Bear
Lower growth, bumpier ride. See how your plan holds up if markets underperform.
⚖️ Base
Moderate growth, balanced mix of investments. Reflects typical long-term market performance.
🐂 Bull
Strong growth, higher risk. Optimistic but historically achievable for investors with a high proportion of stocks.
Step 5: Do you expect any income in retirement?
If you expect regular payments in retirement — like Social Security, a pension, or an annuity — add them here to see how they reduce how much your savings need to cover. You can skip this step if none apply.
Are you sure?
This will permanently delete all your retirement planning data from this device. This cannot be undone.