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Retirement clarity for Gen X
You only get one shot. Get one clear plan.
No scare tactics. No 400-calculator maze. See where you stand, compare the choices that matter, and know what to do next.
✓ Private on this device✓ No arbitrary slider limits✓ Assumptions shown
“I don’t need another number. I need to know which decision changes the outcome.”
Your retirement runway
Start with what you know.
Enter your age today.
Why it matters: This sets how many years your current savings can grow and how long you can keep contributing before retirement.
Good to know: Use your current whole age. Your birthday month is not needed for this first estimate.
Enter the age when you expect to stop or meaningfully scale back paid work.
Why it matters: A later date gives your savings more time to grow and adds more contributions before withdrawals begin.
Good to know: This is a planning date, not a promise. Try a few ages to see what changes.
Add the retirement money you have already built across all accounts.
Why it matters: This is the starting balance that grows between now and your planned retirement date.
Good to know: Include 401(k), 403(b), IRA and retirement-designated brokerage money. Leave out your home unless you truly plan to use its equity.
Enter the total amount added to retirement accounts in a typical month.
Why it matters: These new dollars join your existing savings and have time to grow before retirement.
Good to know: Include your own contributions and any employer match. If deposits vary, use a reasonable monthly average.
Estimate the retirement lifestyle you want to pay for each month, in today's dollars.
Why it matters: This is the target your projected retirement income is measured against. A higher target requires more savings or guaranteed income.
Good to know: Include housing, food, health care, taxes, travel and fun. Do not subtract Social Security or a pension here—we do that separately.
Enter the monthly Social Security and pension income you expect to receive.
Why it matters: This income covers part of your monthly target, so your savings do not need to provide the entire amount.
Good to know: Use today's dollars and a conservative estimate. Enter 0 if you are unsure, then test a benefit estimate later.
Add other monthly income you reasonably expect to continue during retirement.
Why it matters: Rental cash flow, alimony, annuity payments, royalties or part-time income can cover part of your retirement life, reducing what your portfolio must provide.
Good to know: For a rental, use income after mortgage payments, maintenance, vacancies and other property costs. Include only income you expect to last through the years you are planning for.
Select the ? beside any field for a plain-English explanation. Type any valid amount—we’ll flag unusual inputs, not block them.
See the assumptions behind this estimate
5% real annual growth after inflation until retirement—a moderate planning assumption, not a promise4% starting withdrawal from projected savingsToday's dollars throughout, before taxes and fees
This is intentionally not a best-case estimate, but 5% after inflation is not guaranteed or universally conservative. A cautious portfolio may earn less; a stock-heavy portfolio may earn more. This first look does not yet model taxes, health-insurance timing, market swings or different Social Security claiming ages.
Live estimate · updates as you typeEstimated monthly retirement income$8,158$4,558 from savings + $3,600 Social Security/pension + $0 additional income
126%of target
Your biggest levers
See what actually moves the date.
One profile powers every comparison. Change a number above and the tradeoffs update instantly.
Projected at retirement$1,367,277
Balance supporting your target$870,000
Time to make adjustments11 years
Current pathRetire at 65
126%Work 2 more yearsRetire at 67
135%Save $500 more$2,300/month
130%Spend $500 less$6,000/month
136%Start with the decision—not the calculator
What are you trying to figure out?
Built for the “401(k) experiment” generation
A calm answer to a high-stakes question.
The oldest Gen Xers are already entering retirement. The youngest still have time to make meaningful changes. Both deserve something clearer than a pile of disconnected formulas.
01
Your data stays yours. Start anonymously and save only when you choose.
02
Every assumption is visible. Returns, inflation, longevity and withdrawal rates are never magic.
03
Products follow the plan. Recommendations appear only when they fit a next step—not because they pay the most.