Explore how three big levers—retiring later, saving more, or spending less (or adding part-time income)— change whether you look on track for your retirement income goal.
Start with a simple baseline: your age, current savings, annual contributions, expected return, and the income you’d like in retirement (along with Social Security or pension income). We estimate the portfolio you might need using a withdrawal-rate rule of thumb (like 4%) and compare it to what you’re projected to have by your target retirement age.
Then we show side‑by‑side how three levers can close any gap: retiring later, saving more each year, and spending less / adding part‑time income. Each scenario shows the projected annual income shortfall (or surplus) relative to your target.