Alex & Sam · example plan

Your plan

Base · 2.5% inflation
Covered through Nov 2036 · ⚠ short $2,433/mo from Dec 2036
64 months with a shortfall over the whole plan. Base · 2.5% inflation.
Today
$1,035,450
Nov 2026
Peak
$1,855,428
End of 2037
End of plan
$49,816
Dec 2070
Balances by bucket
Year-end balances from the engine’s monthly projection.
$0$500k$1M$1.5M$2M20262040205020602070Today
Alex 401(k)
Sam Roth IRA
Joint brokerage
Cash / sweep
Tax reserve
Buckets
Alex 401(k)
Unlocks Jul 2037
$640,000
›
Sam Roth IRA
Unlocks Jul 2040
$180,000
›
Joint brokerage
Open
$203,000
›
Cash / sweep
Sweep · last resort
$12,450
›
Tax reserve
Not used to cover gaps
$0
›
Milestones
Alex’s take-home pay (after 401(k)) ends
Oct 2033
⚠ First shortfall
Dec 2036
Alex turns 59½
Jul 2037
Sam turns 59½
Jul 2040
Alex Social Security starts
Jan 2045
Sam Social Security starts
Jan 2048