Scenarios
This page works like a ledger. You enter one contribution assumption, and the tracker shows a hypothetical result at age 65: a projected balance, an estimated monthly income, and the gap against your own target. Nothing here is reported anywhere. Your figures stay in this browser.
Ready to start? Open the contribution inputs, or read the assumptions behind the math first.
Scenario inputs
Change any field and the hypothetical result updates as you type. No account is needed, nothing is sent anywhere, and the numbers stay in your browser.
Scenarios
Four hypothetical paths starting from a $210,000 balance at age 45 and retiring at 65. Change the assumed annual return to see how the gaps move. No account is required, and nothing you enter leaves your browser.
| Scenario | Monthly contribution | Balance at 65 | Monthly income estimate | Difference vs current |
|---|---|---|---|---|
| Current path | $600 | $972,366 | $3,241 | $0 |
| Contribute 2% more of pay | $758 | $1,045,521 | $3,485 | $73,155 |
| Add $250 per month | $850 | $1,087,876 | $3,626 | $115,510 |
| Delay contributions 2 years | $600 | $469,116 | $1,564 | -$503,250 |
Investment involves risk, including possible loss of principal. Past performance does not guarantee future results. Figures are hypothetical and shown in today's dollars.
Read the plain-language explanation or review your milestone checklist.
Scenarios
Every row of the scenario delta table follows one hypothetical change to your savings plan. The columns run left to right: Current, Plus 2%, Add $250 a Month, and Delay 2 Years. The balance at 65 column shows a projected account value, the monthly income column turns that number into an estimated monthly withdrawal, and the final cell carries a badge.
A badge is a plain comparison against your current plan, not a prediction. A green badge means the change could leave you ahead at 65. A rust badge means the row may fall short of the current plan. Neither color tells you what to do. They only show which direction the numbers move under the assumptions listed on the assumptions page.
The contribution progress bars use the same logic. A filled bar marks confirmed progress toward the annual limit, and the thin vertical marker shows where an employer match usually stops, commonly near 6% of pay. Widen the gap between your bar and that marker only when your budget allows.
The milestone rail uses three states. A check means the age band is already behind you, a hollow circle means it is still ahead, and a hatched marker means the band does not apply to your situation.
Everything here is hypothetical and educational, not financial advice. No account is required, and the numbers you type stay in your browser. Investment involves risk, including possible loss of principal. Past performance does not guarantee future results.