Retirement projection

One return, one inflation rate, your cashflows by age, all in today's dollars. It answers whether the plan funds to the end, how much you could spend, how early you could stop, and what you would need to save or earn if it does not. The same engine runs inside Kaight, our planning assistant, now in private testing.

Ages

Current age

Retire at

Plan to agethe age the money must last to

Savings and income

Savings todayall accounts, dollars

Earned incomedollars per year, today's money; the default until retirement

Income phasesoptional: start-end:income per phase, e.g. 50-54:120000; 55-61:60000; 62-66:20000 (end past retirement = part-time work)

Savings ratepercent of earned income saved each year before retirement

Social Securitydollars per year and start age

Pensiondollars per year and start age

Other incomerent, annuity: dollars per year, start and end age

Spending and assumptions

Retirement spendingdollars per year, today's money

Returnnominal, percent per year: to retirement, and optionally a different rate from retirement on

Return froma typed number, or a portfolio's median real return over this plan's own horizon plus inflation (a past median, not a forecast)

Inflationpercent per year

Label

Stress test (optional)

Replays the plan's cashflows over every historical start month of a portfolio, in real terms: from retirement (accumulation keeps the assumed return) or from today (contributions ride the history too). Leave the portfolio blank for the projection alone.

Portfolioticker or asset id with percent, or pick a preset (assets)

From retirement (optional)a second mix held from retirement age on; blank = the same portfolio throughout

Replay from

Extended history

Use validated backfills and synthetics (what these are)