Your one-stop shop to assist with retirement numbers — hope it helps on your way to financial freedom.
Age—
Number—
Portfolio—
Gap—
Level of Luxury:
1. The Basics
Current Age ?
Target Retirement Age ?
Life Expectancy ?
2. Savings & Portfolio
Monthly Savings ($/mo) ?
Annual Savings Escalation % ?
401k Access Age ?
Total Portfolio$100,000
Checking ?
Brokerage ?
Roth IRA ?
LTI / Other ?
401k / Employer ?
Trad. IRA ?
3. Retirement Spending
Monthly Living Exp ($) excl. HC?
State (for Taxes) ?
Pre-Med HC ($) ACA base?
Medicare 65+ HC ($) ?
Debt & Obligations
Mortgage ($) ?
Starts inyrs · Termyrs
Car Payment ($) ?
Starts inyrs · Termyrs
Rent ($) ?
Starts inyrs · Termyrs
Other Debt ($) ?
Starts inyrs · Termyrs
4. Retirement Income
Annual Income — SS est ($) ?
SS Claiming Age FRA=67?
Other Fixed Income ($/mo) ?
Severance / Layoff Scenario
Lump Sum ($) ?
HC Coverage (mos) ?
5. Market Assumptions
Annual Return % ?
Inflation % ?
Med. Escalation % ?
Effective Tax % ?
Retire Age:—
·
Monthly Exp:—
·
Retire Income:—
·
HC/mo:—
·
Life Exp:—
·
Return:—
Lifestyle Scenario · Oklahoma
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☰ Year-by-Year Data TableAll values in today's dollars (real, inflation-adjusted) · drag to move · resize from corner
Age
Phase
Portfolio
Accessible
Pre-Tax
Need
Gap / Surplus
Ann. Income
Inv Returns
Gross Port. Draw
SS/mo
Net Draw/mo
Est. Taxes/mo
RMDs/yr
Savings/mo
Living Exp/mo
HC/mo
Total Burn/mo
SWR
Portfolio: Total projected balance.
Accessible: Roth + brokerage + checking (tax-advantaged or after-tax).
Pre-Tax: 401k + trad IRA balance (taxable on withdrawal; merged into accessible at access age).
Need: Nest egg required at that age to sustain retirement to life expectancy.
Ann. Income: Salary + inv. returns while working; SWR withdrawal + SS after retirement.
Gross Draw: Monthly gross portfolio withdrawal needed (before SS offset).
Net Draw: Actual monthly dollars pulled from portfolio after SS offsets expenses.
Total Burn/mo: Living expenses + healthcare + estimated taxes — total monthly cash needed from all sources.
Savings/mo: Monthly contributions to portfolio during working years.
★ Roth Window: Years between retirement and SS / age 75 where income is lowest — prime time for Roth conversions.
Not financial advice — verify SS at ssa.gov/myaccount.