No-login planning tool
Find your retirement
freedom number.
Estimate the nest egg you need at retirement, based on age, spending, inflation, expected returns, and contributions.
Freedom number
$0
Estimated nest egg needed on retirement day.
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Inputs
Tune the assumptions
Important
This model ignores taxes, Social Security, pensions, home equity, healthcare spikes, and sequence-of-return risk. Use it as a first-pass planning conversation.
Status
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Monthly spend at retirement
$0
Projected savings
$0
Shortfall or surplus
$0
Required monthly contribution
$0
Years funded
0 years
At projected savings, using first-year retirement spending.
Scenario stress test
Conservative
$0
Your inputs
$0
Optimistic
$0
How it works
1. Inflate expenses
Today's monthly spending is grown by inflation to your retirement date.
2. Price withdrawals
The tool estimates the present value of all retirement-year withdrawals.
3. Compare savings
Current savings and contributions are projected forward to retirement.
Next best use
Use the result to ask better questions.
Try lowering expenses, delaying retirement by two years, and increasing contributions. The best plan is usually a small mix of all three, not one heroic lever.