Retirement Calculator

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About You

Date of Birth

What's your investment tolerance?

Where are you in the retirement process?

Saving for Retirement
Preparing for Retirement
Living in Retirement

Are you currently working with a financial advisor?

Yes No

What is your current Monthly Income?

Retirement Results and Summary

First Name

Years Until Retirement

Estimated Monthly Income

Current Monthly Expenses

Monthly Difference

Annual Difference

Current Total Assets

Average Savings Rate**

Thank You for using our retirement calculator, complete the form to the left to get your results.

Based upon the information you entered, it appears you should continue saving to prepare for retirement. CIA can help you build a cash flow plan to systematically invest in assets tailored to your goals and objectives.

Schedule an appointment with one of our financial advisors today if you’d like help becoming an income investor.

CONGRATULATIONS!
Based upon the information you entered, you have saved enough assets to retire assuming a 4% withdrawal rate. Many financial planning studies give 4% as the standard withdrawal rate in retirement as a general guideline.

The next step is to determine if your assets are allocated for you to generate income you need to live on throughout retirement. Having a mix of income to growth investments is key to generating consistent cash flow to supplement other income sources while retired.

Schedule an appointment with one of our financial advisors today if you’d like help becoming an income investor.

CONGRATULATIONS!
Based upon the information you entered, you should have enough income to cover your monthly expenses and needs. You have many options regarding how to invest your assets. We would be happy to help you understand different investment options.

Schedule an appointment with one of our financial advisors today if you’d like help becoming an income investor.

Keep Saving

Based on your inputs, it looks like you need to save the below amount annually to retire with the lifestyle you’ve outlined by your set retirement date. Many financial planning studies give 4% as the standard withdrawal rate in retirement as a general guideline. However, your monthly expenses are higher than the income you’d generate from your current assets.

You can adjust the suggested annual savings amount below by altering one of the following inputs: expenses, income, or rate of return on your investments. This calculator is an estimate of your expenses and income mix.

Schedule an appointment with one of our financial advisors today if you’d like help becoming an income investor.

Congratulations
Based upon the information you entered, it appears you have saved enough assets to comfortably retire assuming a 4% withdrawal rate. Many financial planning studies give 4% as the standard withdrawal rate in retirement as a general guideline. The next step is to determine if your assets are allocated for you to generate the investment income you’ll need throughout retirement. Having a mix of dividends, interest, and distributions from your investments is key to generating consistent cash flow to supplement other income sources while retired.

Schedule an appointment with one of our financial advisors today if you’d like help becoming an income investor.

Great Work
Based upon the information you entered, it appears you have enough income to cover all your monthly expenses and needs. This gives you many options regarding the strategy for your investible assets. Because your income currently does not require you to draw down on your investments, they’re likely a cushion for you which gives you flexibility regarding your assets allocation.

We would be happy to help you understand your different investment strategy options. Schedule your appointment today.

IMPORTANT: Information and interactive calculators are made available to you as educational tools for your independent use and are not intended to provide financial planning or investment advice. These tools help you see which factors are most important to consider in making a particular financial decision, and they illustrate the relative impact of each factor on the projected outcome. The projections or other information generated by the Retirement Planner Calculator regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results will vary with each use based on differing assumptions used in the calculator. Even small changes in assumptions can have a substantial impact on the results shown in this report. Investment outcomes in the real world are the results of a near infinite set of variables, few of which can be accurately anticipated. This information does not serve, either directly or indirectly, as legal, financial or tax advice and you should always consult a qualified professional legal, financial and/or tax advisor when making decisions related to your individual situation. Neither Federal nor State income taxes have been factored into the illustration.

Retirement Calculator