Retirement simulator · Preview
Make room for
your next chapter
No signup · No account linking · Inputs stay on your device
See how your savings could support retirement. Try a few numbers, explore the possibilities, and discover what makes a difference.
No signup. No account linking. Calculations run on your device. Inputs are not sent to analytics.
02 / Explore your outlook
A future worth exploring
Your plan starts with a possibility
Enter your numbers to see thousands of possible market paths—or try the example to see how it works.
No portfolio setup required.
Your inputs changed. Run again to update these results.
Savings over your lifetime
Today’s dollarsThe median is the middle simulated outcome, not a promised return. Some paths fall outside the shaded range.
What could make a difference?
Compare one change at a time against your original estimate.
How to read this estimate
Funding confidence is the share of simulated paths that fund your budget through your selected plan-through age. It is not the probability of your actual future. Low, medium, and high are descriptive labels, not recommendations.
This simplified model uses one stocks/bonds mix, fixed assumptions and independent annual market returns. Contributions and spending maintain purchasing power. It excludes account-specific taxes, required distributions, withdrawal rules, fund fees, changing allocations and survivor benefits. Social Security and pension amounts are included only when you enter them.
Use a budget that includes taxes and expenses. The full portfolio tool can incorporate account-specific assumptions; results may differ. This is an educational estimate, not a guarantee or savings instruction.
When you’re ready for the whole picture
A clearer picture starts with your portfolio
Add your actual accounts and holdings for a more tailored simulation using your investment mix and account-specific tax assumptions.