Brooks Wealth Management

Retirement Stress Test

Your Profile

42 yrs
25 yrs70 yrs
65 yrs
50 yrs75 yrs
$80,000

Today's dollars, inflated automatically

$20,000$300,000
$2,000

Estimated benefit at retirement age

$0$5,000

Your Portfolio

$350,000
$0$5,000,000
$24,000

Total annual savings until retirement

$0$100,000
$2,000,000
$500,000$10,000,000

Assumptions

7%

Annual portfolio growth before retirement

1%12%
5%

Annual portfolio growth during retirement

1%10%
3%

Annual spending inflation adjustment

1%6%

On Track

Your portfolio projects to $5.9M at age 90.

At Retirement

$2.9M

Age 65

At Age 90

$5.9M

End projection

Withdrawal Rate

1.9%

Net of SS

Years to Retire

23

Years remaining

Portfolio Balance Over Time

434547495153555759616365676971737577798183858790$0$1.5M$3.0M$4.5M$6.0MRetire

Straight-line projection using constant annual return and inflation assumptions. Actual results will vary.

Retirement Income Breakdown

Annual Spending

$80K

today's dollars

Social Security

$24K

annual benefit

Portfolio Draw

$56K

needed annually

What-If Scenarios

Impact on portfolio balance at age 90 vs. your current plan.

Retire 2 years later

+$1.2M

$7.1M at 90

Spend $10k less per year

+$646K

$6.6M at 90

Save $500/mo more

+$1.1M

$7.0M at 90

1% lower return

$-2942802

$3.0M at 90

Next Step

Want a personalized retirement plan?

These projections are a starting point. A comprehensive plan accounts for taxes, Social Security timing, healthcare costs, and sequence-of-returns risk.

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Results are hypothetical and for educational purposes only. They are based on user-entered assumptions and do not represent actual investment performance. This tool does not provide personalized investment, tax, or legal advice. Straight-line projections use constant return and inflation assumptions; actual results will vary. Consult a qualified financial professional before making investment decisions.

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Investment advisory services offered through Brooks Wealth Management, a registered investment adviser.

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