Index card · Retirement
Retirement planning and projection calculators
Five projection tools that answer 'am I on track?' with assumptions the client can see and change.
Projection calculators are where planning conversations start. Each uses the client's own return and inflation assumptions and shows what it ignores, which keeps the result honest and supports the disclosures advisers need.
Retirement Planner
am I on track to retire at 65
Retirement Income
how much can I spend each month from my 401k in retirement
Retirement Shortfall
how much more do I need to save each month to retire
How Long Will Retirement Savings Last?
will I run out of money in retirement
Retirement Planner for Two Spouses
how much will we have for retirement combined
When clients check whether they're on track
Retirement Planner
January, when people make plans and check statements. “am I on track to retire at 65”
Retirement Planner for Two Spouses
Tax season, when both spouses' W-2s are on the table. “how much will we have for retirement combined”
How Long Will Retirement Savings Last?
After a market drop, or in the first year of retirement. “will I run out of money in retirement”
Retirement Income
The year before retirement, often mid-year. “how much can I spend each month from my 401k in retirement”
Retirement Shortfall
Open enrollment, when contribution rates are set. “how much more do I need to save each month to retire”
Planning & projections: questions firms ask
Which projection calculator should we feature first?
The retirement planner for savers and the savings-duration calculator for people close to retiring. The shortfall calculator works well in a follow-up email.
Do they use Monte Carlo simulation?
No. They use a constant assumed return. That is simpler to explain and disclose, and the calculator pages say so.
Can couples plan together?
Yes, the two-spouse planner handles two savers with different ages and balances.
Do they include Social Security?
The income and planner tools accept a Social Security estimate as an input. For estimating the benefit itself, use the Social Security calculators.
How should an RIA present projections?
As client-run scenarios with methodology and assumptions visible. Review with your CCO; see the compliance guide.
Can we set default return assumptions?
Yes, defaults are editable per calculator.
Do they account for taxes in retirement?
Most work in pre-tax dollars and say so. Tax-aware withdrawal planning is the professional conversation they lead to.
Which plan includes them?
Network.
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