Complimentary tools · Retirement Readiness Calculator
Are You on Track to Retire?
Project your savings to retirement day, then test them against the income you want.
Your Numbers
Drag the sliders or type exact numbers. Nothing is saved or sent.
Your Readiness
Ready to put this to work?
A calculator shows the math. A plan accounts for your taxes, goals, and real life.
Book Your Complimentary ReviewHypothetical illustration for education only. Not advice, a projection, or a guarantee of results. Investing involves risk, including possible loss of principal.
Understanding the 4% Rule
The 4% rule is a planning shortcut: if you withdraw about 4% of your portfolio in the first year of retirement and adjust for inflation after that, your savings have historically lasted 30 years or more. Flip it around and you get a target: the income you want, times 25.
It is a starting point, not a guarantee. Your real number moves with Social Security, taxes, healthcare, market conditions in your first retirement years, and how flexible your spending can be.
- Social Security and pensions reduce what your portfolio must cover
- Withdrawal order and taxes change how long money lasts
- A bad market early in retirement matters more than one later
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