Your projected retirement age
—
Adjust the assumptions to see how they move the date.
Peak net worth
—
At age 95
—
First-year withdrawal, pre-tax
—
Effective tax rate
—
About you
Current age40
Household income$180,000
Filing status
Current savings & investments$350,000
Retirement accounts plus taxable investments. Exclude your home.
Annual savings rate15% · $27,000
Everything you put away each year, including any employer match.
Your retirement goal
Replace this much of take-home pay80%
Social Security, annual$36,000
Household benefit in today's dollars. Your statement at ssa.gov has the real number.
Claim Social Security at67
Assumptions
Return while working7.0%
Return in retirement5.0%
Inflation2.5%
Raises above inflation3.0%
Total annual growth in income and contributions.
Effective tax rate12.2%
Net worth from today to age 95
Investable assets, in today's dollars
You contribute
—
Investment growth adds
—
You withdraw
—
Social Security covers
—
This is a starting point, not a plan.
A real projection accounts for how your money is actually invested, your tax situation, and what you want retirement to look like. If the number above surprised you in either direction, it's worth a conversation.
Important disclosures — placeholder language, to be reviewed and approved by your compliance officer before this page goes live.
This calculator is provided by Cool Wealth Management for educational purposes only and does not constitute investment, tax, or legal advice, or a recommendation of any security or strategy. The results are hypothetical, do not reflect actual client results, and are not a guarantee or projection of future performance. Hypothetical performance has inherent limitations: it is prepared with the benefit of hindsight, does not reflect the impact of real market conditions or the effect of financial risk on decision-making, and no client actually achieved the results shown.
The projection assumes a constant annual rate of return, constant inflation, and a constant effective federal tax rate applied to withdrawals. Actual returns vary year to year, and a poor sequence of returns early in retirement can produce materially worse outcomes than a constant-return model suggests. The tax estimate uses 2026 federal ordinary-income brackets and the standard deduction only — it excludes state and local income tax, payroll tax, capital gains treatment, required minimum distributions, Roth versus pre-tax account differences, the Social Security taxable-benefit calculation beyond a flat approximation, and any credits or itemized deductions. It does not model healthcare costs, long-term care, pensions, annuities, real estate, business interests, or debt.
Cool Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Cool Wealth Management and its representatives are properly licensed or exempt from licensure. Nothing on this page should be construed as personalized advice; individual results depend on facts and circumstances not captured here.
This calculator is provided by Cool Wealth Management for educational purposes only and does not constitute investment, tax, or legal advice, or a recommendation of any security or strategy. The results are hypothetical, do not reflect actual client results, and are not a guarantee or projection of future performance. Hypothetical performance has inherent limitations: it is prepared with the benefit of hindsight, does not reflect the impact of real market conditions or the effect of financial risk on decision-making, and no client actually achieved the results shown.
The projection assumes a constant annual rate of return, constant inflation, and a constant effective federal tax rate applied to withdrawals. Actual returns vary year to year, and a poor sequence of returns early in retirement can produce materially worse outcomes than a constant-return model suggests. The tax estimate uses 2026 federal ordinary-income brackets and the standard deduction only — it excludes state and local income tax, payroll tax, capital gains treatment, required minimum distributions, Roth versus pre-tax account differences, the Social Security taxable-benefit calculation beyond a flat approximation, and any credits or itemized deductions. It does not model healthcare costs, long-term care, pensions, annuities, real estate, business interests, or debt.
Cool Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Cool Wealth Management and its representatives are properly licensed or exempt from licensure. Nothing on this page should be construed as personalized advice; individual results depend on facts and circumstances not captured here.