Timeline
Income Goal
What you want to spend each month, in today's purchasing power
Retirement Accounts
Assumptions
Tax rate applies to pre-tax withdrawals. Roth is tax-free. Taxable brokerage is taxed at an estimated long-term capital gains rate.
Withdrawal rate is the share of your nest egg you draw down each year (4% is the common rule of thumb — lower is more conservative).
Tip: to see everything in today's dollars automatically, set inflation to 0 and use a real (inflation-adjusted) return instead, e.g. 10% return − 2.5% inflation ≈ 7.5%.
Tip: to see everything in today's dollars automatically, set inflation to 0 and use a real (inflation-adjusted) return instead, e.g. 10% return − 2.5% inflation ≈ 7.5%.
Tax Bracket Estimator
Rough estimate using 2025 federal brackets and standard deduction, applied to your projected pre-tax withdrawal income at retirement. Not tax advice. State taxes and other income sources not included. The Tax Rate field above syncs to this automatically — type over it to use your own assumption instead, or .
Overview
Total Target
—
future $ · gap split 50/50 pre-tax + Roth
Years Away
—
until retirement
Income Coverage
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Nest Egg Growth vs. Target (future $)
On Track
Full Target
Account Projections
The Gap
What It Takes