Retirement Planner

Plan your retirement with long-term projections, inflation adjustments, and withdrawal strategies

Overview

The Retirement Planner helps you project your retirement savings and plan for a financially secure future. Model different savings scenarios, account for inflation, and explore sustainable withdrawal strategies to ensure your money lasts throughout retirement.

Tips

  1. Use the 4% rule as a starting point: Plan to withdraw 4% of your portfolio in year one, adjusted for inflation - this has historically provided a 95% success rate over 30 years
  2. Account for inflation: Always factor in 2-3% annual inflation when projecting expenses and returns, as $50,000 today will need to be $90,000+ in 20 years
  3. Plan conservatively: Use realistic return estimates (6-7% for balanced portfolios) rather than historical highs, and assume you’ll live to 95-100
  4. Include all income sources: Factor in Social Security, pensions, part-time work, and different account types (401k, Roth IRA, taxable) for a complete picture
  5. Test multiple scenarios: Run best-case, worst-case, and most-likely projections to understand the range of possible outcomes and adjust your strategy accordingly