Guiding Light Financial Planning Illuminating Your Path to Financial Confidence
Retirement Planning Made Simple

See how your retirement could work in just a few minutes

Reach out directly

Three steps, from simple to advanced

Everyone starts in a different place. Pick the step that matches how much detail you want to explore today. You can always come back for the next one.

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Easy Peasy Estimate

Am I in the ballpark?

Let's start simple

Answer one quick question using the well-known 4% rule: how much could my current savings support, or how much would I need for the lifestyle I want?

  • Takes under 2 minutes
  • Just one or two numbers to enter
  • Instant, plain-English results
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Let's Peel Back the Onion

What will my lifestyle actually cost?

Go deeper on my expenses

Turn your expected monthly spending into a real retirement target, and see how it compares to what you've already saved.

  • Builds on your quick snapshot
  • Estimate lifestyle costs in retirement
  • See your target retirement balance
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The Whole Enchilada

How will my plan hold up over time?

See the full picture

A deeper model with account types, growth assumptions, inflation, and withdrawals, for when you're ready for a fuller retirement outlook.

  • Account-by-account detail
  • Inflation and growth assumptions
  • Year-by-year projection view

Built to be clear, not clever

Every estimate on this site is meant to build confidence, not confusion.

Assumptions in plain sight

We always show the withdrawal rate and other assumptions behind every number, so you know exactly what you're looking at.

Plain language, no jargon

Results are explained the way you'd want a planner to explain them, in real, everyday terms.

Fast, low-pressure answers

Get a real result in minutes. Go deeper only when and if you want to.

A partner, not a sales pitch

This tool is educational and planning-oriented. When you want to talk it through, we're here, no pressure.

This site provides educational planning estimates only and does not constitute personalized financial advice. Actual results may vary based on taxes, inflation, market performance, and individual circumstances.

Ready to see where you stand?

Start with the simplest version. You can always come back for a deeper look later.

Start with the 4% rule Schedule a planning conversation