Projected Nest Egg
$0
at retirement
Portfolio Target Needed
$0
to fund retirement fully
Surplus / Shortfall
$0
vs target
Monthly Income at Ret.
$0
portfolio + SS combined
Savings Rate Gauge
0%10%15%20%30%50%
—
0%
Savings Rate
Accumulation to Retirement
Projected Balance
Target Path
Real Value
Annual Savings Contribution
Contributions
Investment Growth
Lifetime SS Benefit by Claim Age
Cumulative Benefit
SS Strategy Rules of Thumb
→ Claim at 62 if: in poor health, need income early, or have high investment returns that beat delay credits
→ Claim at 67 (FRA) if: average health, balanced portfolio, want the "no-regret" option
→ Delay to 70 if: in good health, long family history, can bridge gap with portfolio. Every year past 67 adds 8%
→ Breakeven between 67 and 70 is typically around age 82–84
INCOME SOURCES
NEEDS & GAPS
Portfolio Drawdown Through Retirement
Portfolio Balance
SS Income (cumulative)