Retirement Planning Suite
Your Complete Retirement Dashboard: Savings, Withdrawals & Income Optimization
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Get personalized default values based on your location, age, and income. All data is stored locally on your device.
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Retirement Readiness Score
Recommendations
- •Increase monthly savings by $37822 to close the gap
Key Retirement Planning Concepts
4% Rule
Withdraw 4% of your portfolio in year 1, then adjust for inflation each year. Historically has a 95% success rate over 30 years. Conservative but proven approach.
Sequence of Returns Risk
Market crashes early in retirement are devastating because you're selling low. Build cash reserves, use dynamic withdrawals, and delay Social Security to mitigate this risk.
Monte Carlo Simulation
Runs thousands of random market scenarios to test your plan's robustness. Shows probability of success rather than a single projection. More realistic than simple projections.
Social Security Claiming
Every year you delay from 62-70 increases your benefit 5-8% permanently. It's longevity insurance - delay if you expect to live past 82.
25x Rule
Need 25 times your annual expenses saved for retirement. More conservative than the 4% rule. Example: $50k expenses = $1.25M needed.
Annuity Break-Even
Age at which annuity payments exceed your premium. Typically 12-16 years. Best for those who expect to live well into their 90s.
Expert Tip
Pair the suite with annual reviews of savings rate, withdrawal strategy, and Social Security timing to keep your retirement plan resilient through market shifts.
Key Financial Terms
Understand the essential concepts behind this calculator
Catch-Up Contribution
Extra retirement contributions allowed at age 50+. 401k: additional $7,500/year. IRA: additional $1,000/year. Helps late savers close gap.
Glide Path
Automatic asset allocation shift in target-date funds from aggressive (stocks) to conservative (bonds) as retirement approaches. "Set and forget" strategy.
Safe Withdrawal Rate (4% Rule)
The percentage of your retirement portfolio you can withdraw annually without running out of money, historically around 4%.
Sequence of Returns Risk
The risk that poor investment returns early in retirement can permanently damage your portfolio, even if long-term averages are good.
Frequently Asked Questions
Common questions about the Retirement Planning Suite
📊 Historical Market Data Sources
• Average annual return (1926-2024): ~10% nominal, ~7% inflation-adjusted
• Standard deviation: ~20% (indicating significant year-to-year volatility)
→ Source: NYU Stern - Historical Returns on Stocks, Bonds and Bills
• S&P 500 average dividend yield: 1.5-2.0% (as of 2024-2025)
• Historical dividend growth rate: ~5.9% annually (1960-2024)
→ Source: S&P Dow Jones Indices
• 10-Year Treasury bonds: ~5% average annual return (1926-2024)
• Corporate bonds (investment grade): ~6% average annual return
→ Source: NYU Stern - Corporate Finance Data
• Long-term average: ~3% annually (1926-2024)
• Recent (2020-2024): 2-8% range with 2022 peak at 8%
→ Source: Bureau of Labor Statistics - Consumer Price Index
Important: Past performance does not guarantee future results. Market returns vary significantly year-to-year. These are long-term historical averages.
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⚠️ Important Disclaimer
This Retirement Planning Suite provides estimates for educational and informational purposes only. Actual results may vary significantly based on individual circumstances, market conditions, regulatory changes, and other factors beyond the scope of this calculator.
The calculations and projections provided are based on assumptions and historical data that may not reflect future performance.Past performance does not guarantee future results.
This tool is not financial advice, tax advice, legal advice, or investment advice. For personalized guidance tailored to your specific situation, please consult with qualified professionals including:
- Certified Financial Planner (CFP)
- Certified Public Accountant (CPA) for tax matters
- Licensed attorney for legal matters
- Registered Investment Advisor (RIA) for investment decisions
Data Accuracy: All data sources, statistics, and rates were verified as accurate as of October 2025. Tax rates, market conditions, and other financial data change over time. Always verify current rates and consult official sources.
No Warranties: While we strive for accuracy, we make no warranties or guarantees regarding the accuracy, completeness, or reliability of any information provided. Use this tool at your own risk.