Welcome to the Pre-Retirement Savings Forecasting Tool

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-Deferred 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