Retirement Calculator
Deep-dive portfolio simulator — 35 years until retirement at age 65
The Baseline
30 yrs
65 yrs
$
$
Growth Assumptions
3%
Retirement Goal
$
$
Worst Case
4% returnNest Egg at Age 65
$778K
≈ $197K in today's money
Lasts ~34 yrs
Low returns (4%), high inflation (4%). Conservative or underperforming market.
Expected
7% returnNest Egg at Age 65
$1.45M
≈ $550K in today's money
Lasts forever ∞
Historical averages (7% return, 2.8% inflation). Balanced, diversified portfolio.
Best Case
10% returnNest Egg at Age 65
$2.87M
≈ $1.44M in today's money
Lasts forever ∞
Strong growth (10% return, 2% inflation). Aggressive, equity-heavy portfolio.
Portfolio Growth Projection
Three scenarios modeled simultaneously based on your inputs
- Best Case
- Expected
- Worst Case
Years to Retire
35
Your investment growth window
Total Contributions
$210K
Your out-of-pocket deposits (excl. growth)
Monthly Income Gap
$4K
What your portfolio must cover monthly
Glossary — Terms & Definitions
Click to understand all inputs, outputs, and scenario definitions
Educational & Simulation Purposes Only. This tool is provided for educational, projection simulation, and informational purposes only. It does not constitute financial, investment, tax, or legal advice. All projections are estimates based solely on user-provided data and assumed market conditions. Market performance is inherently unpredictable, and actual results may vary significantly from these projections. Please consult a qualified financial advisor before making any final retirement, investment, or financial decisions.