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 ($):13} — the real cost of living free from surprises. That gives you about {Years in Retirement:11} years of life to fund — years you’ve earned the right to enjoy.
Right now, your effective tax bracket is around {Effective Tax Rate (%):10}%. After factoring in inflation and taxes, your True Retirement Number — the capital needed to sustain your lifestyle — sits near
{Required Capital — Final (Conservative) ($):17}. You’ve already built {Current Retirement Savings ($):8}, giving you a funded ratio of {Funded Ratio (%):18}% — which means you’re not behind; you’re ahead.
This is where opportunity begins. Now the focus shifts from “Do I have enough?” to “How do I protect what I’ve built and make it last?” Together, we’ll refine your strategy — reduce taxes, increase guarantees, and make sure your wealth works as hard for you as you worked for it.