Question 1

Does this include Social Security or pensions?

Accepted Answer

No — results model investment savings only. Add guaranteed income separately when building a withdrawal plan.

Question 2

What return rate should I use?

Accepted Answer

Many planners use 5–8% for long-term diversified equity/bond mixes. Lower rates produce more conservative estimates.

Question 3

Is inflation included?

Accepted Answer

This version shows nominal future dollars. Pair results with an inflation calculator for purchasing-power estimates.

Retirement Calculator

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