Plan
Your numbers
Nothing is linked from a bank. Change a figure and the score updates. Returns are real — today's dollars — and Social Security uses the standard 70% / 100% / 124% factors for claiming at 62, 67, and 70.
83 On track·$1.9M at 65
About you
Savings
Assumptions
Account mix
Percents of invested savings. They don't have to sum to 100 — the model rescales them. Used by Premium tax tools.
Coast FIRE
FIRE number $1,850,000 at a 4% withdrawal rate. Coast number today $573,626. With no new contributions, savings project to about $999,781 by 65. That is short of Coast FIRE in this example.
Balance over time
Social Security, 62 vs 67 vs 70
Cumulative benefits through age 92, no COLA, taxes, or discounting. Highest total in this example: claim at 70.
- 62
- 67
- 70
Portfolio sketch
80/20
Stocks / bonds, based only on years to retirement.
Mid-horizon illustrations usually keep most of the portfolio in stocks, with a bond sleeve for stability.
Cash yield
$1,440
Illustrated interest per year at 4%.
Cash covers 5.8 months of retirement spending. Compared with your real return, the same cash would differ by about $360 a year in this model — a comparison, not a suggestion to move it.
Goals
10% of the projected nest egg. Not set aside automatically.
1% of the projected nest egg. Not set aside automatically.