Projections

This planner runs annual projections in today’s dollars (real returns). Add life events—like a child, a car purchase, or buying a home—and see how they change your savings, spending, and estimated FI date.

Inputs

Current age

Target retirement age

Plan through age

Current invested portfolio ($)

Annual contributions before retirement ($/yr)

Sum of all accounts; we model a single blended portfolio for MVP.

Annual retirement spending needed ($/yr, real)

Passive income at/after retirement ($/yr, real)

Pension, rental net, annuity income, etc. We subtract this from spending.

Expected real return before retirement (%/yr)

Expected real return in retirement (%/yr)

Safe withdrawal rate (%/yr)

Life Events

Events can add a one-time hit (down payment, car cash) and/or a recurring change to annual expenses for a number of years (child-related costs, mortgage vs. rent).

Quick Result

Enter inputs and click Run Projection.

Age	Balance ($, real)	Net Flow ($/yr)	Notes