Tool
Retirement-number tracker
A deterministic projection of your NAV to retirement age and beyond. Target uses the 4% rule (25× annual spend). Assumptions are yours to set — results shift materially with small changes in return or inflation.
Assumptions
$
$
%
%
%
$
Target nest egg
$2,000,000.00
4% rule · 25× spend (today's $)
Projected at retirement
$3,085,905.46
Nominal · age 65
Projected (today's $)
$1,471,182.85
Inflation-adjusted
Shortfall
$528,817.15
+74% of target
Funding duration
24yearsat $80,000.00 today's-$ annual spend, growing with inflation, earning +5.0% nominal post-retirement.
Balance depletes before age 89 — worth revisiting spend, return, or contribution assumptions.
Required annual contribution to hit target
$36,352.75Gap vs your current contribution: $13,352.75/yr
Projected balance over time
nominal real (today's $)
Deterministic projection assuming constant return & inflation — smooth path, no sequence-of-returns risk, no taxes on withdrawals, no Social Security, no pension. For a distribution of outcomes reflecting actual market variability, use the Monte Carlo simulator. Not financial planning advice.