Will your retirement income cover the life you want?
Answer a few quick questions about what you have today. We'll project your monthly income in retirement and show any gap you still need to fill.
First, a little about you
This tells us how many years your money has to grow and what Social Security may pay you.
How much do you want to live on each month in retirement?
Think spendable money after taxes, in today's dollars.
Your 401(k), 403(b), 457(b) or IRA
Every dollar you take out of these in retirement is taxed. Leave a box blank if it doesn't apply.
Your Roth or IUL savings
Roth IRA, Roth 401(k), or IUL cash value. Income you take from these is not taxed. Leave blank if you don't have any.
Income you expect in retirement
Monthly amounts in today's dollars. Leave blank if it doesn't apply.
Last step: check our assumptions
These are common planning numbers. Keep them or change them.
Building your summary…
Where your retirement income comes from
Close the gap tax-free
Your next steps
- Save these numbersTake a screenshot of your summary.
- Gather your statementsLatest 401(k)/403(b) statement, Social Security estimate, pension estimate, and any Roth or life insurance statements.
- Book a consultationWe'll check every number, explain your options in plain language, and build a plan to close your gap.
This calculator is for education only and shows hypothetical projections, not a guarantee of future results. Figures are in today's dollars, use the growth, inflation, withdrawal and tax rates entered, and assume contributions rise with inflation. Social Security estimates use the 2026 benefit formula and assume steady earnings at your current income for a full 35-year career, with benefits starting at your retirement age (no earlier than 62, no later than 70); your actual benefit will differ, so check your statement at ssa.gov. Up to 85% of Social Security is treated as taxable. Actual returns, taxes and benefits will vary. Tax-free income from life insurance depends on policy design, funding and keeping the policy in force; loans reduce cash value and death benefit. NxtGen Equity does not provide tax or legal advice. Consult a qualified professional about your situation.