Will my savings last to age 95?
A retirement projection is not a promise. It is a way to test whether your plan remains workable across longer lifespans, changing expenses, inflation, and uncertain markets.
Five levers that matter
When work ends
Another working year can add savings, reduce withdrawals, and shorten the retirement horizon.
Essential and flexible costs
A plan with adjustable spending may respond more effectively to difficult market periods.
Social Security and pensions
Reliable lifetime income can reduce the amount your portfolio must support.
One forecast is not enough
Test a reasonable baseline, a longer life, higher inflation, higher healthcare costs, and a difficult market early in retirement. The goal is to understand which changes matter—not to predict the future precisely.
Stress tests to run
- Living five years longer than expected
- Spending 10% more during active retirement years
- A weak market soon after retirement
- Higher healthcare and long-term-care costs
- Retiring one or two years earlier or later
- Claiming Social Security at different ages
Simulation results are estimates based on assumptions. They cannot guarantee investment performance or future outcomes.
Find the assumptions your plan depends on most.
Build your baseline and compare the scenarios that could strengthen—or challenge—it.
Create my free plan