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See whether your current savings and contributions put you on track for the retirement you want.
Last reviewed by FinSync LLC
Who this is for
People planning retirement without wanting planner-level jargon.
What to type in
Your age, retirement age, current savings, monthly contributions, return estimate, and income goal.
Start with the assumptions, then use the interpretation below to compare tradeoffs without bouncing between sections.
Monthly income target in retirement.
Nominal annual return before inflation.
Retirement track
By age 65, the model projects about $2,896,017.16, which supports roughly $9,653.39 per month at a 4% withdrawal rule.
Monthly income at 4%
$9,653.39
Gap to target
$0.00
Years of target income
40
That is about 40.2 years of your target monthly income.
Your current monthly contribution is $1,500.00 and your assumed return is 7.0%.
Small changes to retirement age and monthly contribution usually matter more than fine-tuning return assumptions.
Stress-test the plan with a lower return or higher spending target so you know how fragile it is.
Use this as a planning range, not a guarantee. Market returns and spending rarely follow a straight line.
Calculators are useful for scenarios. BetterOff connects supported accounts so you can compare those assumptions with synced balances and transactions.
Connect a supported bank, brokerage, or exchange. Connections are read-only, encrypted, and cannot move money.
Use this if you want to understand how the calculator works, not just plug in numbers.
Step 1
Enter your current age, retirement age, and target monthly retirement income.
Step 2
Add current savings, monthly contributions, and your expected annual return.
Step 3
Choose nominal or inflation-adjusted mode and review projected savings, supported income, and any gap to target.
These cover the assumptions, tradeoffs, and edge cases behind the calculator.
Use the calculator for the math, then use these guides to make the decision with more confidence.
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FIRE
Estimate your financial independence target, years to FIRE, and progress using savings and spending assumptions.
Savings Goal
Plan time-to-goal and required monthly contributions with milestone checkpoints and contribution-versus-growth decomposition.
Debt Payoff
Compare avalanche and snowball payoff plans and inspect month-by-month remaining balances.
Reviewed by FinSync LLC
100%
of target
On track for target income
Current trajectory supports the monthly income you set.