Finlatitude · Retirement
Are you on track to retire the way you actually want to?
Plug in six numbers to see your projected nest egg vs. the amount you'd need at your target retirement age using the classic 4%-rule withdrawal math. Runs entirely in your browser — nothing is saved, nothing is shared.
Your inputs
On track
You'll clear your target with $127,834 to spare at age 65. Consider stress-testing with a lower return.
111% of goal · +11% surplus
Assumptions
33 yrs of growth at 6.5% · 4% withdrawal rate · $48,000 / yr income
What if I retire 3 years earlier or later?
Same savings, same contributions
3 yrs earlier
Shortfall$1,071,971
at age 62
-$255,863 (-19%)
Your plan
On track$1,327,834
at age 65
3 yrs later
On track$1,638,208
at age 68
+$310,374 (+23%)
Three extra years of contributions and compounding is often the single biggest lever available to a mid-career saver. Watch what happens when you slide either direction.
Projected growth
Age 32 → 65
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This estimator uses the constant-return / 4%-rule simplification. Real markets vary, taxes, inflation, and social-security income aren't modeled. Use it as a directional check, not personalised financial advice — see a licensed advisor before making retirement decisions.