Retirement Ready

Will your savings last?

Kept in this browser onlyTested on every period since 1928

Scenarios aren’t saved until you sign in. Until then your plan and scenarios stay in this browser only; once you’re in, they’re saved to your account and cleared from the browser. On a shared computer, clear it when you’re done.

Create free account Sign in

How to use this

Try changesSlide either way to see what changes the odds: retiring earlier or later, saving or spending more or less.
Check your numbersFix anything that’s off in the inputs below Try changes.
Save as scenarioKeep a version and compare it with My plan. Saved scenarios don’t change your portfolio.

Try changes

Slide either way from your plan. Each line shows that change on its own; your plan stays as it is until you apply them.

Retire earlier or later23%

age 65 (now)

Save more or less23%

10% of salary (now)

Spend less or more23%

$76,797 a year (now)

Shift the mix (stocks)23%

60% stocks (now)

Claim Social Security at23%

age 67 (now)

All together: move a slider

About you

Age

Retire at

Plan to

Work years

Salary (pre-tax)

Raise per year

You save

= $8,500 a year

Plus per year

e.g. a bonus you save

Employer matches

of salary up to

Your employer adds $2,550 a year.

Starting savings

Retirement savings today

Your 401(k)s, IRAs and other savings for retirement, added up.

Spending in retirement

Share of final salary

≈ $76,797 a year in today’s dollars

Your target

Progress is measured against your FI number (the 4% rule) unless you choose a target of your own here.

Your own target (optional)

For example the target of your Retirement goal.

Other income

Social Security / month

Amount is for age

Claim at

Your statement at ssa.gov

Type the amount from your ssa.gov statement. Another claiming age changes it by SSA’s standard early and late factors (approximate; your statement lists the exact figure).

Pension / year

Starts at

Pension rises with inflation

Part-time work / year

For years

Advanced assumptions

Investment fees

Tax on withdrawals

Withdrawal rate for the FI number

4% by default, based on the 4% rule. It changes the FI number only.

Mix

Inflation: each year’s actual CPI in the historical test; 2.5% for the projection line, raises and a fixed pension.
Withdrawals: the same spending every year, adjusted for inflation, plus tax on what you take out.
Mix: the same before and after retirement. Cash earns the 3-month T-bill; bonds are 10-year Treasuries; “other” counts as stocks.
Labels: On track 90% or more · Almost there 75–89% · Needs attention under 75%.
Data: US returns 1928–2025, version 2026.1. Returns: Aswath Damodaran, NYU Stern (pages.stern.nyu.edu/~adamodar). Inflation: U.S. Bureau of Labor Statistics CPI-U. Historical Returns on Stocks, Bonds and Bills: 1928-2025 · Consumer Price Index for All Urban Consumers (CPI-U), U.S. city average, all items, NSA

Plan worked in 23%Needs attention

See results

Plan worked in

23%

Needs attention10 of 44 periods

Savings now

$150,000

11% of your FI number

Savings at 65 (median)

$1,055,135

today’s dollars

Spending that works 90%

$64,199

−$12,598 vs your $76,797 a year

Result

Needs attention

Your plan worked in 23% of historical periods.

10 of 44 periods (retiring in 1953–1996) kept money to age 95, spending $76,797 a year from age 65. Past periods, not a promise about the future.

Where this kind of test comes from: FIRE and the 4% rule

Progress

The bar measures your FI number

FI number $1.32M (based on the 4% rule) What’s the 4% rule?

FI number

$1,319,919

$52,797 a year your other income doesn’t cover ÷ 4%

Your own target

Not set

Optional. Set one

$150,000 saved of $1,319,919 (your FI number)11%

Today’s dollars · the range across all 44 historical periods

10th–90th percentileMedianAverage-return projection (5.0% a year after inflation)

Age 65: median $1,055,135 · 10th $589,379 · 90th $1,399,282

Scenarios

Save up to 5 and compare them. Kept in this browser until you sign in.

Saved scenarios don’t change your portfolio.

No scenarios yet. Save this plan as “My plan”, try the levers, then save again to compare.

Educational estimate, not financial advice. Past market returns don’t guarantee future results. Returns: Aswath Damodaran, NYU Stern. Inflation: U.S. Bureau of Labor Statistics CPI-U.

Will your savings last?

How to use this

Results

Result

Progress

Scenarios