Can you afford to retire?
A quick, simplified look at whether your savings and income can carry the lifestyle you want. No account, no email, just a range of possibility.
Used to estimate your tax drag.
Important disclosures
Educational tool only. This calculator is provided for general educational and informational purposes. It is not investment, tax, legal, accounting, or insurance advice, and it is not a recommendation or solicitation to buy, sell, or hold any security or to adopt any investment strategy. No advisory relationship is created by using this tool.
Hypothetical results. All figures shown are hypothetical illustrations based solely on the information you enter and on simplified assumptions. They do not represent the performance of any actual account, portfolio, security, or investment product, and they do not reflect actual trading. Hypothetical performance has inherent limitations, including that it is prepared with the benefit of hindsight and does not account for financial risk or the effect of real-world market conditions on decision-making.
Assumptions. Projections assume constant average annual returns of 5%, 5.5%, 6%, 6.5%, and 7% applied every year through age 95, a constant 2% annual rate of inflation, cost-of-living increases on Social Security, rental income reduced by an assumed 25% for expenses and vacancy, and withdrawals taken at the start of each year. Actual returns vary year to year and can be negative; a constant-return assumption is unrealistic and will differ, potentially materially, from actual results. The sequence in which returns occur can meaningfully change outcomes.
Stress test. The −30% first-year scenario is a hypothetical illustration of sequence-of-returns risk. It is not a prediction, a worst case, or a limit on possible losses. Actual losses may be greater, may last longer, and may occur at any time.
Taxes. The effective tax rate is a rough estimate derived from current federal ordinary-income brackets, the standard deduction, and a single blended state rate, then rounded up to the next whole percent. It ignores account type (pre-tax, Roth, taxable), capital gains treatment, required minimum distributions, provisional-income taxation of Social Security, local taxes, credits, deductions, surtaxes, and future changes in tax law. Consult a qualified tax professional regarding your situation.
Not a financial plan. This assessment omits many factors that affect real outcomes, including health care and long-term care costs, longevity, one-time expenses, debt, product fees and expenses, advisory fees, withdrawal sequencing, legacy goals, and changes in personal circumstances. Fees and expenses are not deducted and would reduce results.
No guarantees. Investing involves risk, including the possible loss of principal. Past performance is not indicative of, and does not guarantee, future results. No assurance is given that any goal shown here will be achieved.
Any outreach resulting from this assessment may be considered a solicitation. Insurance and annuity guarantees are subject to the claims-paying ability of the issuing company. Securities and advisory services are offered only through appropriately licensed and registered individuals and firms; not all products and services are available in all states.