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Retirement readiness

Compare what your current saving pattern could produce with the portfolio balance your spending plan would require.

By the SterlingCat editorial team · Last updated 2026-08-02 · Calculated in your browser

The key points

  • The starting scenario assumes no growth and no inflation; every return assumption remains visible and editable.
  • Other retirement income reduces the amount that must come from the modeled portfolio.
  • The readiness ratio is a deterministic scenario result—not a probability of success.
Decision guideAre You on Track to Retire? Start With Spending, Not Salary

Your retirement scenario

Set the timeline, saving, and spending

Timeline
Saving
$
$a month
Annual spending in today’s dollars
$a year
$a year
Return and inflation assumptions

The starting values are a visible no-growth, no-inflation baseline—not a market forecast. Enter your own nominal assumptions to test another scenario.

%
%
%

At retirement

Projected gap

—

Projected balance
—
Modeled balance needed
—
Share of the need covered
—
Additional monthly contribution
—

A deterministic scenario based on stated assumptions—not a forecast, guarantee, or probability of success.

Modeled portfolio balance by age

Portfolio balanceRetirement age

Age-by-age projection
AgePhaseBalance

Calculated in your browser. No account or Social Security information is requested or sent.

How we calculate this

Before retirement, the model compounds the current balance monthly and adds the contribution at the end of each month. At retirement, it calculates the present value of annual portfolio-funded spending through the selected planning age. Spending starts at retirement, so the calculation uses an annuity due.

Nominal and real amounts

Spending and other income are entered in today’s dollars and increased to retirement using the inflation assumption. The post-retirement real return is (1 + nominal return) ÷ (1 + inflation) − 1. The chart itself displays nominal balances.

What this cannot tell you

A constant-return path does not model market volatility, the order of investment returns, taxes, fees, account rules, changes in spending, or uncertainty in other income. The result is not a safe-withdrawal claim and not a probability of success. Test multiple assumptions and compare the plan with account statements and appropriately qualified advice.

Sources

Grounded in authoritative primary sources:

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