Income strategy
Whether your savings can realistically support the lifestyle you have in mind, and for how long.
Retirement calculator
Are you on track for the retirement income you want?
Estimate your retirement income gap and see whether your current savings strategy needs a second look. Results appear on this page instantly.
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The calculator
Retirement readiness calculator
Fill in your numbers on the left. Your snapshot builds on the right, and updates as you adjust.
Your details
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Your estimated result
Based on a moderate 5% growth assumption. A starting point, not a full plan.
0%
Ready when you are
Fill in your numbers, then choose Show my results to see the snapshot.
- Projected savings at retirement$0
- Annual income need, inflation adjusted$0
- Estimated annual income gap$0
- Time horizonNot yet calculated
How sensitive is this to market returns?
- Conservative (3%)$0
- Moderate (5%)$0
- Growth-oriented (7%)$0
Want a clearer answer?
This result is step one. A free review looks at taxes, income timing, and protection, which a calculator cannot see.
Schedule a free reviewFigures shown are estimated future dollars at retirement, not today’s purchasing power. This calculator is educational only and is not financial, tax, legal, or investment advice. Results are estimates based on what you entered plus several built-in assumptions: a 4% annual withdrawal rate, 2.5% annual inflation applied to both your income need and any Social Security or pension figure you enter, and three growth scenarios (3%, 5%, and 7%) shown for comparison. Contributions are assumed to be level and compounded monthly. Taxes, fees, and market volatility are not factored in. Guarantees, if any, are backed by the claims-paying ability of the issuing insurance company. Always consult a qualified professional before making financial decisions.
What a review adds
Three things a calculator cannot tell you
Tax awareness
How different retirement buckets are taxed, now and later, and what that does to your real income.
Protection planning
Ways to help protect income from market loss, longevity risk, and the events nobody schedules.
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