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This is a quick reality check, not a full retirement plan. Results are shown in today's dollars and use a simple glide path — one expected return while you're working and another (usually lower) in retirement. It finds the earliest age at which your savings can fund a constant gross income target and still last to your planning age in at least your chosen share of simulated markets. The retirement phase is run as a Monte Carlo simulation with year-to-year return swings to capture sequence-of-returns risk; accumulation uses the expected return.
Acknowledgement: Return and volatility assumptions are adopted from PWL Capital.