Retirement tools
Run the numbers before you commit
Two calculators — one for the long horizon, one for the cash buffer beside it.
- Calculators
- 2
- Default horizon
- 30 yr
- Illustrative return
- 7%
- To use
- $0
Projection
Retirement projector
Change one assumption at a time to see which levers matter most.
Retirement projector
A simple projection — actual returns will vary.
Horizon: 33 years
Total contributions$223,000.00
Projected balance$1,022,207.71
Savings growth
Illustrative only — rates are variable and not a promise of return.
Contributed$13,000.00
Balance with growth$14,480.79
Both calculators use constant assumptions and no withdrawals. Real returns vary, and inflation reduces purchasing power over time.
Checklist
Before you set the plan
Cash buffer first
- Three to six months of expenses
- Held somewhere instantly accessible
- Separate from retirement accounts
Then the long horizon
- Contribute at least the employer match
- Automate the contribution
- Review the asset mix twice a year
Keep it boring
- Avoid changing course on headlines
- Rebalance on rules, not feelings
- Write the plan down once a year
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