See if your savings can carry you to age 90. Everything is shown in today's dollars, so every number is easy to compare.
All amounts shown in today's dollars
Portfolio grows at the real (inflation-adjusted) return until retirement. Withdrawals start at rate × balance, then rise with inflation each year so purchasing power stays flat. Chart and totals are in today's dollars.
Two benefit streams with independent claiming ages. Enter benefits in today's dollars. Once payments start, they keep pace with inflation.
Early claiming reduces the benefit. Waiting until 70 adds delayed retirement credits. Pull estimates from ssa.gov/myaccount.
Roth withdrawals are tax-free. Only the Traditional IRA share of portfolio withdrawals is taxed, plus the taxable portion of Social Security.