1Step 1 of 5 · The Lifestyle Anchor
Estimated nest egg target adapts dynamicallyFirst, what does your life actually cost each month?
You don't need an exact budget down to the coffee cup. A rounded estimate of what you spend today is the single most powerful factor in shaping your ultimate retirement number.
Estimated Monthly Outflow
$6,667/ month
Annual equivalent · $80,004 / yr$2,500/mo (Minimal)$10,000/mo$20,000/mo (Expansive)
Or pick a relatable lifestyle baseline:
Future Rhythm
In retirement, do you imagine spending:
Estimated Target Anchor
90% ConfidenceSavings portfolio needed for this lifestyle:
~$3,156,869
Assuming a 30-year retirement starting at 65.
Monte Carlo 500 Path RangeSafe Boundary
Age 65Age 76Age 95
Helpful perspective: for every $500/month you spend in retirement, your target moves by roughly $130,000.
Why lifestyle comes first
The traditional method is upside down
Most financial websites ask for your salary first. But salary doesn't determine your retirement need. Only what flows out each month does.
Private & Client-Side · Never stored on external servers
I can change this number anytime later