Are you on track to retire?

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.

Annual spending in retirement

In today's dollars — what your lifestyle costs per year.

Guaranteed income (with COLA)

Social Security, COLA pensions, inflation-linked annuities.

Fixed income (no COLA)

Most private pensions and fixed annuities — loses purchasing power over time.

Current retirement assets

401(k), IRA, taxable brokerage — anything earmarked for retirement.

Withdrawal rate 5.0%

3% conservative 4% 5% 6% aggressive

Expected inflation 3.0%

1% 2% 3% 4% 5%

Retirement horizon 30 years

15 yrs 25 yrs 30 yrs 40 yrs

Your funded ratio

—

Enter your numbers above.

Annual spending —

Less: guaranteed income (real value) —

Portfolio must cover annually —

Portfolio target —

How fixed income is handled. Income without inflation adjustments loses purchasing power every year. We discount its real value over your retirement horizon — what we count is the average buying power that stream provides, not the nominal dollar amount. A $30,000 fixed pension over 30 years at 3% inflation is worth roughly $19,600 a year in today's dollars on average.