Welcome to the Pre-Retirement Savings Forecasting Tool

With this application, you will be able to answer fundamental questions about the amount of savings you can expect when you start retirement.

Features in this calculator for retirement savers
• Future contributions to tax-deferred, tax-exempt and taxable accounts
• Uncertainty in stock, bond and inflation using two types of simulation
• Static or Dynamic Asset allocation
• Marginal tax rates for re-invested qualified dividends and non-qualified interest in a taxable account
• Optimistic and pessimistic future account estimated values in today's dollars

Thinking about retirement but not yet 60 years old?Use this calculator to estimate the financial outcome of early retirement.

Additional features in this calculator for early retirees
• Estimate drawing early retirement income from your taxable account that doesn't penalize withdrawals prior to age 59 1/2
• Use current dividends, interest and long-term capital gains to generate early retirement income
• Assess the risk exhausting assets in your taxable account over your pre-retirement planning horizon

Current and Expected Savings

Please enter current values for your retirement savings.

Please enter information about yourself. For registered users, this model uses data from your profile. + Expand/Shrink 20212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465666768697071727374757677787980 years Your Current Age $ Your Current Tax-Deferred Accounts Balance $ Your Current Tax-Exempt Accounts Balance $ Your Current Taxable Accounts Balance % Your Current Fraction of cost basis for stocks in the Taxable Account % Your Current Fraction of cost basis for bonds in the Taxable Account $ Your Annual Expected Future Contribution to your Tax-Deferred Account $ Your Annual Expected Future Contribution to your Tax-Exempt Account $ Your Annual Expected Future Contribution (Withdrawal) to (from) your Taxable Account yesno Do you have a spouse or domestic partner?

Please enter information about your spouse or domestic partner. If you do not have one, please skip to the next table. + Expand/Shrink 20212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465666768697071727374757677787980years Your Spouse's Current Age $ Your Spouse's Tax-Deferred Accounts Balance $ Your Spouse's Tax-Exempt Accounts Balance $ Your Spouse's Annual Expected Future Contribution to their Tax-Deferred Account $ Your Spouse's Annual Expected Future Contribution to their Tax-Exempt Account

Please review and modify your savings horizon, asset allocation, glide path and marginal tax rates. + Expand/Shrink 1234567891011121314151617181920212223242526272829 Number of Years until Retirement 0123456789101112131415161718192021222324252627282930313233343536373839404142434445464748495051525354555657585960616263646566676869707172737475767778798081828384858687888990919293949596979899100% Retiree's Initial Stock Allocation (Bond Allocation=100%-Stock Allocation) -10-9-8-7-6-5-4-3-2-1012345678910% Glide path to transition from stocks to bonds (per year) 01520% Marginal Tax Rate for Qualified Dividends 10122224323537% Marginal Tax Rate for Non-Qualified Dividends

Please review and modify future rates based on their long-term historical norms, if needed. + Expand/Shrink % Expected Annual Inflation Rate More Info % Expected Annual Rate of Return for Stocks % Expected Annual Rate of Return for Bonds % Stock Annual Qualified Dividend Rate % Bond Annual Non-qualified Coupon Rate

Please review and modify options to simulate stock and bond market returns, as needed. Volatility and correlation values are only used if geometric Brownian motion simulation is selected. Bootstrapping simulation infers this data from stock/bond returns and inflation from 1989 - 2021. + Expand/Shrink BootstrappingGeometric Brownian Motion Simulation Type 1001,0005,000 Number of Trials in Simulation % Annual Volatility for Stocks % Annual Volatility for Bonds % Correlation Between Stocks and Bonds 12345678910111213141516171819202122232425262728293031323334353637383940414243444546474849% Percentile for Account Values from Pessimistic Market Returns 51525354555657585960616263646566676869707172737475767778798081828384858687888990919293949596979899% Percentile for Account Values from Optimistic Market Returns

Forecasting your future savings. Please standby...(calculations may take up to 60 seconds if 5,000 trials are selected)