Am I On Track for Retirement?

We run 200 market simulations for each combination of inputs, modeling stock and bond returns, inflation, taxes, Social Security, and required minimum distributions through age 95.

Spending assumptions:Your pre-retirement spending is estimated as your income minus savings and taxes. At retirement (age 67), spending drops to 85% of that level. It then follows a natural glide path: 100% through age 74 (active “Go-Go” years), 90% from 75-84 (“Slow-Go” years), and 80% from 85 onward (“No-Go” years) — reflecting how most retirees naturally spend less as they age.

Your score is the percentage of simulations where your portfolio lasts through retirement. The estimated wealth is the median ending balance across all trials.

For a full personalized analysis with your actual spending, month-by-month detail, real tax calculations, and scenario comparison, try the full planner.