Here’s what your retirement snapshot reveals — and what it means for you. These numbers aren’t about fear or luck; they’re about clarity. Your plan is a blueprint, not a guess. Below, you’ll see how your savings, income goals, and timeline line up to create the life you’ve been working for. Think of this as your roadmap: clear, measurable, and ready to be engineered into reality.
Let’s get real about where you stand. Based on what you’ve told me, you plan to retire around .
You want to live on {Desired Annual Income (Today’s $):4} a year in today’s dollars — not in hope, but in purchasing power. That income needs to rise with roughly {Inflation Rate (%):5}% inflation, grow at about {Expected Growth Rate (%):6}%, and be drawn down at a {Withdrawal Rate (%):7}% withdrawal rate.
When we adjust that desired income for inflation, your first-year retirement income becomes {Year 1 Net Income @ Retirement ($):12}. To cover taxes, you’ll actually need to withdraw {Year 1 Gross Income @ Retirement ($):13} — the real cost of living free from surprises. That gives you about {Years in Retirement:11} years of life to fund — years you deserve to enjoy, not endure.
Right now, your effective tax bracket is around {Effective Tax Rate (%):10}%. After accounting for inflation and taxes, your True Retirement Number — the capital required to sustain your lifestyle — sits near {Required Capital — Final (Conservative) ($):17}. You currently have {Current Retirement Savings ($):8} saved, which means your plan is funded at about {Funded Ratio (%):18}%, leaving a shortfall of roughly -{Shortfall ($):19}.
This isn’t a setback — it’s a signal. You now know what’s missing and, more importantly, what’s possible. Together, we can close that gap with structure, discipline, and smart protection — so you retire on your timeline, not the market’s.