Start with the monthly plan
List essential and discretionary spending, taxes, debt, home repairs, travel, and irregular expenses. A complete monthly target gives every later comparison a clearer foundation.
Map reliable income and the gap
Separate Social Security, pensions, annuities, and expected part-time income from portfolio withdrawals. The remaining gap shows how much the plan depends on savings each year.
Check the transition details
Confirm health coverage, workplace benefits, account distribution rules, and any one-time costs around leaving work. These transition years can matter more than a long-run average.
Test a few changes before deciding
Compare the intended date with a later date, higher inflation, and an early market decline. The aim is to see where the plan has room—not to find a perfect forecast.
Compare your retirement dates privately
Use the interactive demo to test a retire-now and work-longer scenario with your own assumptions. No account is required to begin.
Educational only: This is general information, not individualized investment, tax, legal, or financial advice.