About you
Savings today
Assumptions
Nest egg at age 65
$1,341,219
Built from $333,000 contributed over 30 yrs · rest is compound growth.
Short — you run out at age 89
That's 3 years before your life expectancy of 92. Raise the monthly contribution, delay retirement, or lower annual spending to close the gap.
You'll contribute
$333,000
Compound growth
$1,008,219
Spent in retirement
$2,849,674
Balance over your lifetime
Show the mathExpand →
Accumulation — we compound balance monthly at your pre-retirement return, adding the contribution every month: balance ← balance·(1 + r/12) + PMT.
Decumulation— at retirement age we subtract annual spending (inflated from today's dollars), then let the remainder grow at the post-retirement return for the rest of the year. Repeat until life expectancy or zero.
year_n_spending = base_spending · (1 + inflation)n
Deterministic projection — not Monte Carlo. Real market sequences are lumpy, and a bad first decade in retirement (sequence-of-returns risk) can shift outcomes meaningfully. Treat this as a directional answer, not a promise.
How this projection runs the math
Accumulation phase: compound monthly
Starts from today's balance. Adds your monthly contribution, compounds at your pre-retirement return, snapshots yearly.
Decumulation phase: inflation-adjusted spending
At retirement age, the annual spending figure inflates by your chosen rate each year. Balance grows at the more-conservative post-retirement return.
Deterministic — not Monte Carlo
One scenario, one answer. Real markets are lumpy; a bad first decade in retirement (sequence-of-returns risk) shifts results. Treat this as directional.