Where are you now, and when would you like to pause?
Time is your quietest, most faithful collaborator. Shifting your retirement horizon by even twelve months transforms your trajectory from both ends at once. More compounding upfront, and fewer distributions to fund later.
Your Starting Mark
Current Age
40 yrsYour prime earning momentum is active. All current cash assets, debts, and workplace matches build from this baseline.
Desired Milestone
Retirement Target Age
65 yrsThe year employment transforms into discretionary rest, consultancy, or purposeful civic projects.
Or Pick a Standard Life Path:
Calculated Dual Horizon
Lifespan assumed to Age 95Your Retirement Runway
25 years
Years of payroll contributions, portfolio dividends, and compound market lift.
30 years
Years funded by nest-egg distributions, pensions, and Social Security streams.
The “Double-Sided” Math of One Extra Year. Retiring one year later gives your portfolio another year to compound unharvested, while the nest egg must sustain one fewer year of distributions. In typical Monte Carlo trials this raises baseline resilience by more than 18%.
No arbitrary rules-of-thumb
We don't force a static 4% rule. Step 5 simulates market sequence risk and inflation across your exact window.
1,000 Economic Scenarios