Are you actually on track
to retire?
Most "retirement calculators" give you one number and call it a day. This one runs three in real time: your projected portfolio at retirement, your sustainable annual income from that portfolio, and whether the math actually adds up to the lifestyle you want. Adjust the sliders. Watch the dashboard update. Get an honest, immediate answer.
Are you actually on track to retire?
Move the sliders and the dashboard updates instantly. When you're ready, get your full Retirement Gap Report, or answer a few quick questions and book a call with Tony.
Your Retirement Gap Report shows exactly what it would take to close your gap. Prefer to talk it through? Answer a few quick questions and pick a time on Tony's calendar.
Hypothetical illustration. Assumes a 7% average annual return before retirement, 3% inflation and a 4% initial withdrawal rate. Results are hypothetical in nature, may vary with each use and over time, and are not a guarantee of future results. Full method and limitations.
A few quick questions so Tony comes to your call prepared. You'll see his open times right after.
Roughly how much do you have saved and invested for retirement?
401(k), 403(b), IRAs and brokerage accounts. Don't count your home. This tailors your report.
Which best describes you?
Planning priorities look different for a surgeon, a practice owner and a business owner.
When do you plan to retire?
Your answer changes which parts of the report matter most.
What is your household income, roughly?
Many high earners start saving late. Income tells us how fast a gap can close.
Where should we send your report?
Your report opens on this page right away. We'll email you a copy so you can come back to it.
How this calculator works, and its limitations
Method. The calculator grows your current savings and level yearly savings (added at the end of each year) at a 7% average annual return until your target retirement age. It then estimates sustainable income as 4% of that projected portfolio in the first year of retirement, converted to today's dollars using 3% annual inflation, and compares it to the income you entered.
Limitations. Results are hypothetical in nature, may vary with each use and over time, and are not a guarantee of future results. Actual returns will vary and may be negative. The calculator does not account for Social Security or pensions, taxes, investment fees, sequence-of-returns risk, changing spending in different phases of retirement, healthcare costs, required minimum distributions, or estate goals. A constant return and a fixed withdrawal rate are simplifications.
Investments. The calculator does not consider, select or recommend any specific security, fund or product. The return scenarios in the report are assumptions, not the expected results of any portfolio Wealthbridge manages.
Advisory services are offered through Acrylic Financial, a registered investment adviser. This tool is for educational purposes and is not personalized investment, tax or legal advice.
Three numbers. Here is what each one means.
The dashboard above shows three figures that work together. Understanding what each one is telling you is the first step in turning the calculator output into an actual plan.
Portfolio at retirement
What your investment accounts will be worth on the day you retire, projected forward from today using your current savings, your annual contribution rate, and an assumed 7% average annual return. This is your wealth at the starting line of retirement — the asset base everything else depends on.
Sustainable annual income
What that portfolio can pay you each year, using the 4% rule. The 4% rule is a widely-accepted spending guideline based on historical market data — it says you can withdraw 4% of the portfolio in year one of retirement, adjust upward for inflation each year, and have a high probability of the money lasting 30+ years.
On-track status
The verdict: does your sustainable income actually meet the lifestyle target you entered (adjusted for 30 years of 3% inflation)? If the math is short, you have a gap to close. If it shows a surplus, you have flexibility. Either way, the number tells you exactly what conversation to have next.
What this calculator does not account for.
We built this tool to give you a fast, honest snapshot — but real retirement planning is more complicated than any calculator. Here is what we deliberately left out, and why a real plan looks at all of it.
- Social Security and pensions. Most retirees have one or both. The claiming-age decision alone can swing lifetime benefits by hundreds of thousands of dollars. This calculator only models portfolio-funded income.
- Sequence-of-returns risk. A 7% average return doesn't mean 7% every year. The order in which good and bad years arrive can dramatically change retirement outcomes — especially in the first decade of retirement.
- Tax location strategy. Money in pre-tax accounts, Roth accounts, and taxable accounts isn't equivalent. Real planning includes which accounts to draw from in what order to minimize lifetime taxes.
- Spending phases. Retirees typically spend more in the active early years (the "go-go" years), less in the middle (the "slow-go" years), and more again at the end on healthcare. A flat-line spending model is a simplification.
- Healthcare costs and Medicare timing. Healthcare is one of the largest line items in retirement — and it changes substantially at age 65 when Medicare kicks in. Planning the bridge years matters.
- Your specific portfolio mix. A 100% stock portfolio and a 60/40 stock-bond mix have very different risk profiles, even if their long-run averages are similar. This calculator assumes a generic 7% return.
- Required Minimum Distributions (RMDs). Once you reach RMD age, the IRS requires certain withdrawals from pre-tax accounts. RMDs can affect your tax bracket and your overall plan.
- Estate and legacy goals. If part of the goal is leaving wealth to family or charity, the math changes. The calculator assumes you spend the portfolio down for your own income only.
Calculator questions, answered.
Common questions we hear about the calculator and what to do with the results. See all 25 FAQs →
What does this retirement calculator actually compute?
What assumptions does this calculator use?
What is the 4% rule?
My results show I'm off track — what should I do?
Why doesn't the calculator include Social Security or pension income?
A calculator is a start.
A plan goes further.
If your numbers showed a gap, or even if they didn't, thirty minutes on a call is enough to talk through the parts the calculator can't see. No sales pitch. No obligation. Just a CFP® looking at your full picture.