The Honest Read · Private Retirement Instrument

Are you actually on track for retirement?

Move the dials that matter and watch your net worth today — and your projected path to 65 — recompute in real time. Cautious assumptions, straight answer, no sales pitch.

Everything you type stays on this machine. Nothing is sent anywhere — no accounts, no uploads, no tracking. The math runs entirely in your browser.

Your picture

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Monthly retirement saving Biggest dial $1,180
12% of gross income · incl. employer match
Retirement age Second dial 65
Return after inflation Handle with care 5.0%
Real return on your portfolio each year
A higher return is a hope, not a plan. More return means more risk and a bumpier ride. The savings and retirement-age dials are the ones you actually hold.
Your balance sheet
yrs
$
$
$
$
$
$
$
On track Your plan covers 102% of the retirement you described
Net worth today
$258,000
Everything you own, minus what you owe
Projected portfolio at retirement
$964,000
In today's dollars, at age 65
Safe income it produces
$67,600
Portfolio at 3.9% + Social Security, per year
The retirement you want
$66,000
Your spending target, mortgage already gone

Your path to retirement

Investable portfolio Total net worth

What we're assuming — plainly

We're assuming a careful 5% return after inflation and a cautious 3.9% withdrawal rate (Morningstar's forward-looking 2026 figure, chosen over rosier numbers on purpose). If anything, reality may treat you a little better than this.

Everything is in today's dollars, so no scary-big future number needs deflating in your head. Your home equity isn't counted as retirement income — you live in the house. And your mortgage is gone the year before you retire, which is already baked into your spending target.