Are you on track for retirement, in about 2 minutes
This one runs on an assumption you control. Move the return slider and watch the ending balance move with it, because that is the honest way to read it.
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What this assumes
- The balance is compounded monthly at the hypothetical annual rate you selected. That rate is an assumption you chose, not a forecast and not a promise.
- Contributions are treated as level, made every month, never missed and never raised.
- Inflation, taxes, account fees and the order in which returns actually arrive are all ignored. Every one of them can change the real outcome.
- The lifestyle check divides the projected balance by the monthly income you entered, with no growth applied after you stop working.
Reading your result
What this calculated
What your current balance and monthly contributions could add up to by the retirement age you entered, using the hypothetical return you selected, and how many months of your desired income that balance would cover.
Why the number matters
On track is not a feeling. It is arithmetic between three things: how much you set aside, how long you have, and what you assume the money does in between. This puts all three on one screen.
What could change it
Move the return slider and the ending balance moves with it, which is the point. A change to the contribution, an earlier or later date, a pause in saving, taxes and fees all shift the result too.
Reasonable next steps
Run it twice, once with a cautious assumption and once with an optimistic one, then plan around the cautious version. Then see what one modest increase to the monthly contribution does across the years you have left.
This tool is educational and does not provide financial, investment, tax, legal or insurance advice. Results are estimates based only on the information you enter and the assumptions shown, they are not a quote, an offer of coverage or a promise of any outcome, and your actual situation will differ. Insurance guarantees are backed by the claims paying ability of the issuing insurance company. Speak with a licensed professional before acting on anything you see here.
Other tools worth two minutes
Numbers are a start. A conversation is the next step.
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