When can you stop?
Build · get to retirement
When can you stop?
Two results from the same plan: the earliest retirement age at which the conservative market outcome still holds, or the annual savings required to retire on schedule.
Accumulation requirements
I save a year.
Spending target $80,000/yr. The requirement is a balance of at least $100,000 at age 95 in the 10th-percentile outcome.
Earliest retirement age
78
Saving $20,000/yr, in 38 years.
Or save this much to retire at 65
$64,270/yr
Every year until retirement, in today's dollars.
Projected portfolio retiring at 78
Projected balance across modelled market scenarios.
For variable income, the savings figure above is the required average. Above-average years must offset below-average years for the plan to hold.
Retirement age and savings established. Next: convert current spending into a phased retirement budget.
Map what retirement costs →