12years uncovered
Plan scenarios
Make your money last longer
These levers change how long your money lasts. To change how long you might live, update your longevity profile.
One more year of work adds 3 years of income.
Spending $5k less a year adds 3 years of income.
Claim at67 · $24,000 / yr
Full benefit at 67.
Claiming a year later adds no extra years.
A $25k windfall adds 4 years of income.
Another $200 a month adds 6 years of income.
Assumes 4.5% real return before retirement and 2.5% after, in today's dollars. Social Security is a placeholder estimate. Check yours at ssa.gov.
Shortfall at retirement
$246k
Ways to close it
- Save this much per month instead
- $903
- Or retire at
- 69
- Or spend per year
- $47,361
Why longevity matters here
Each extra year of planning adds roughly $19k to your target. Your profile puts you 2 years above the average for your age.