Lifetime

On the edge

Retiring at 63, planned to 95. $3.28M to fund a retirement that costs $3.36M in today's money: $0.97 behind every $1.00. Spending inflates at 2.98% a year at 63, rising to 3.28% by 90 as healthcare's share grows; Social Security rises with CPI at 2.5%. Growing spending at CPI only would show $1.09, and flatter the plan. The funded ratio is the same in today's or future dollars.

As plannedthe plan from the last reviewIf this pace becomes normal+8% spending, $16,680 a year, for life

Year by year: everything covered to 93, essential spending covered to 93.

Contracts that rise with inflation (Social Security)Contracts fixed in dollars (annuity)From savings (market)Whole life cash valueNot yet fundedEssential spending (the floor)Everything planned

Move across the chart to see each year. Ages along the bottom.

See the numbers behind each year

Today's dollars.

Age	Floor	Everything	Contracts	Savings	Whole life	Not funded
64	$113,245	$153,245	$9,609	$143,636	$0	$0
65	$113,597	$153,597	$9,374	$144,222	$0	$0
66	$113,972	$153,972	$9,146	$144,826	$0	$0
67	$114,372	$154,372	$8,923	$145,449	$0	$0
68	$114,796	$154,796	$60,705	$94,091	$0	$0
69	$115,244	$155,244	$60,493	$94,751	$0	$0
70	$115,718	$155,718	$60,286	$95,432	$0	$0
71	$116,216	$156,216	$60,083	$96,133	$0	$0
72	$116,740	$156,740	$59,886	$96,854	$0	$0
73	$117,290	$157,290	$59,694	$97,596	$0	$0
74	$107,775	$147,775	$59,506	$88,269	$0	$0
75	$108,623	$148,623	$59,323	$89,300	$0	$0
76	$109,492	$149,492	$59,145	$90,347	$0	$0
77	$110,382	$150,382	$58,970	$91,412	$0	$0
78	$111,294	$151,294	$58,800	$92,493	$0	$0
79	$112,228	$152,228	$58,635	$93,593	$0	$0
80	$113,184	$153,184	$58,473	$94,712	$0	$0
81	$114,165	$154,165	$58,315	$95,850	$0	$0
82	$115,169	$155,169	$58,161	$97,008	$0	$0
83	$116,197	$156,197	$58,011	$98,187	$0	$0
84	$117,251	$157,251	$57,864	$99,387	$0	$0
85	$118,330	$158,330	$57,721	$100,609	$0	$0
86	$119,436	$159,436	$57,581	$101,854	$0	$0
87	$120,568	$160,568	$57,445	$103,123	$0	$0
88	$121,728	$161,728	$57,312	$104,416	$0	$0
89	$122,917	$162,917	$57,183	$105,734	$0	$0
90	$124,134	$164,134	$57,056	$107,078	$0	$0
91	$125,382	$165,382	$56,933	$108,448	$0	$0
92	$126,659	$166,659	$56,813	$3,183	$106,663	$0
93	$127,968	$167,968	$56,695	$0	$111,272	$0
94	$129,309	$169,309	$56,581	$0	$65,606	$47,121
95	$130,682	$170,682	$56,469	$0	$0	$114,213

On the edge
Funded ratioFully funded at 100% or more, on the edge from 90%, at risk below 90%. Proposed thresholds; the fiduciary sets them.

50%of essential spending covered by contracts alone

4.24%the household's own rate

$3.36Mretirement cost in today's money

2.98%your spending inflation at 63, against 2.5% CPI for Social Security

Sample data. Inflation, healthcare costs, the spending basket and the valuation rate re-project the plan, so they work once the engine is connected; they show the sample's settings until then.

General inflation (CPI), a year2.5%From the engine's capital-market assumptions (2.5% in the mock vintage). Social Security's raise follows it; the annuity and mortgage are fixed in dollars.Healthcare above CPI+2.5DDE's medical-inflation default. Applies to the $22,000 a year of retirement healthcare inside essential spending.

Spending grows at

Your inflationhealthcare above CPICPI onlythe usual planner shortcut

Show the forecast in

Today's dollarsrealFuture dollarsnominal

Value every future dollar at

Its own rate4.24%Treasury rate4.20%

DDE 0.1.0 · computed 2026-10-11T05:00:00Z · personal RFR 4.24%Sample data: the mockup's illustrative household, not engine output and not a real household.