Income entered here is assumed available when retirement starts. Do not include a pension or Social Security benefit that begins later as income available earlier. Use the retirement snapshot to model staggered income start dates and the portfolio needed during the gap.
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.
RonBelisle.com — educational planning illustration. Review the displayed inputs, timing, assumptions and supported statutory scope. Results are estimates, not guaranteed outcomes or personalized advice. Retain scenario inputs with this printout.