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The Full Picture

Build a More Detailed Retirement Outlook

Model how your cash reserves and retirement savings could work together, year by year, for the rest of your life, including inflation, income, big future expenses, and different growth assumptions before and after you retire.

This is the most advanced tool on the site. It works best once you've already tried the quick snapshot and expense planning steps.

Why this is harder than it looks

A real retirement isn't one number, it's decades of moving parts: how markets perform and in what order, how long you and your spouse live, how fast health care and everyday costs rise, and how your spending needs change over time. Two households with the same starting balance can end up in very different places depending on the order returns happen in, not just their average. Professional planners often run hundreds or thousands of scenarios (an approach called Monte Carlo simulation) specifically because a single straight-line projection can hide that uncertainty.

The table below is a single deterministic projection, one path through all of these assumptions, not a range of possible outcomes. It's meant to make the mechanics visible and give you a working starting point, not to replace the kind of deeper, probability-based analysis a financial planner can walk you through.

Explore the complexity further

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Let's get to know your plan

Answer these once, then calculate your outlook. You can come back and adjust anything.

Inputs have changed

Household setup

Expenses & income (in retirement)

Until you retire, we simply grow your cash and retirement balances. These questions only come into play for the years after you retire.

$
Some expenses stay flat while others rise with inflation. 100% assumes all of it does.
$
This amount grows each year by this rate, like Social Security's cost-of-living adjustment, independent of the inflation rate you set above for expenses.
Only expenses scheduled for your retirement years or later are included, since years before retirement aren't modeled in detail.

Cash reserve

$
The amount you expect to have available, even if not all of it is accessible yet.
Your age when it becomes available. Use this if it depends on a future event, like selling a home.
$

Retirement accounts

$
This is an aggressive assumption. Adjust it to match your own investment mix.

Your outlook

Key highlights

A few moments worth noting from your projection.

    Year-by-year projection
    Year Your age Spouse age Monthly expenses Large expense Annual income Net income Funding source Cash start Cash change Cash end Retirement start Retirement change Retirement end Withdrawal rate

    Balances over time

    Cash reserve and retirement account balances, year by year.

    Cash reserve Retirement accounts

    This is a single deterministic projection based on the assumptions you entered. It does not account for taxes beyond what you enter, market volatility, or changes in your circumstances, and is not a guarantee of future results.

    Want to talk through what this means for you?

    A projection like this is a great starting point for a real planning conversation.

    Schedule a planning conversation