Assumptions
Personal
Income
%
Rates
%
%
%
%
Current Savings
Preset Scenarios
Retirement Savings Projection
Age 35 to 65 · $100,000 income · 80% replacement
Funding Status
0% Funded
Current Savings (projected)
Future Contributions
Funding Gap
Capital Required
$0
at retirement
Projected Savings
$0
at current rate
Funding Gap
$0
shortfall
Additional Monthly
$0
to close the gap
Key Retirement Numbers
Current income today:
$100,000
Income needed at retirement (inflation-adjusted):
$0
Less Social Security (inflation-adjusted):
$0
Net income capital must produce:
$0
That requires capital of:
$0
You're on track for:
$0
You need to save an additional:
$0/month
The Silent Enemy of Retirement Planning:
- Inflation erodes purchasing power every year. Today's $100,000 income requires $242,726 in 30 years at 3% inflation. That's not a pay raise — that's just keeping up.
- Start saving now — time is your most powerful ally. Every year you delay, the required monthly savings jumps dramatically.
- The withdrawal rate matters. A 4% withdrawal rate means you need 25x your annual income need in capital. At 3%, you need 33x.
- Don't ignore Social Security, but don't rely on it entirely either. It was designed to replace only about 40% of pre-retirement income.