The Money Friend

Retirement Readiness Check

Monte Carlo engine with 600 scenarios, probability gauge, wealth trajectory with percentile bands. Conversational onboarding.

Retirement Readiness Check

Will you have enough to retire comfortably? Let's find out.

35 years
18 years70 years
$
$0$500,000
$
$0$10,000

Include 401(k) contributions, IRA, and any other retirement savings

There's a gap to close — but knowing is the first step.

Here's the thing

Based on the expected scenario, you'd need about $3,640,900 to maintain your lifestyle in retirement (using the 25x rule). To get there, consider increasing your monthly savings to $2,652. Even small increases now make a big difference thanks to compound growth over 30 years.

Projected balance at retirement (expected)

$1,015,810

Target retirement nest egg

$3,640,900

Based on the 25x rule (inverse of 4% withdrawal rate)

Monthly retirement income (4% rule)

$3,386

Expected scenario using the safe withdrawal rate

How long money lasts (expected)

8.3 years

Optimistic scenario

$1,651,901

9.0% annual return — lasts 16.8 years

Conservative scenario

$639,517

5.0% annual return — lasts 4.8 years

Years until retirement

30 years

Current savings rate

8.0%

Financial advisors generally recommend saving at least 15% of income

Annual spending needed in retirement

$145,636

80% of current income, adjusted for inflation

Monthly contribution to get on track

$2,652

What you'd need to save monthly to reach your target in the expected scenario

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There's a gap to close — but knowing is the first step.

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This calculator provides estimates for informational purposes only and does not constitute financial advice. Actual costs may vary based on your creditworthiness, location, and lender. Consult a licensed financial advisor or mortgage professional before making financial decisions.

Interest rates, payments, and loan terms shown are examples for illustration purposes only and do not represent an offer to lend, a commitment to make a loan, or a guarantee of any specific rate or term. Actual rates and terms are determined by lenders based on your individual credit profile and may differ from examples shown.

Past performance and historical data do not guarantee future results. Equal Housing Opportunity.

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