Knowing your real number — not a guess, the actual number — is the part almost everyone avoids for years. You're about two minutes from having it, debt, late start, or whatever else included.
In a hurry? Jump straight to the full calculator instead.
Illustrative examples, not live calculations — a way to see roughly where you might land. Run your own numbers in the quiz above or the full calculator below.
Everyone's real number depends on their actual income, savings rate, and debt — these are directional, not promises.
Whether you're $10k in debt or ten years from retirement, the tool adapts — most calculators assume you already have money.
A 3.9%–5.25% withdrawal range grounded in current research, plus a real Monte Carlo simulation — not a hardcoded 4% rule.
Find out how many years your current plan actually takes, or set a target year and see what it would take to hit it.
Drag any slider. Everything recalculates live, including a 30-year retirement stress test.
We're building the full version: saved plans, guardrails, tax and healthcare-gap modeling. Join the waitlist and we'll email you when it's ready — plus the occasional honest-money post along the way.