Compare what you've accumulated to what your lifestyle actually costs — adjusted for guaranteed income and inflation. The result is a single number that tells you where you stand.
$
In today's dollars — what your lifestyle costs per year.
$
Social Security, COLA pensions, inflation-linked annuities.
$
Most private pensions and fixed annuities — loses purchasing power over time.
$
401(k), IRA, taxable brokerage — anything earmarked for retirement.
3.0%
1%2%3%4%5%
30 years
15 yrs25 yrs30 yrs40 yrs
Your funded ratio
—
Enter your numbers above.
Annual spending—
Less: guaranteed income (real value)—
Portfolio must cover annually—
Portfolio target (30 years of that gap)—
How the target is calculated. Your portfolio target is the amount needed today to fund your annual spending gap for the full length of your retirement, assuming a 5.5% average annual return and the inflation rate you set above. A longer retirement or higher inflation raises the target; a shorter retirement lowers it. Income without inflation adjustments loses purchasing power every year, so we count its average buying power over your horizon rather than the nominal amount. This is a planning estimate, not advice — investment returns vary, and sequence of returns, taxes, and spending changes all matter.
