1. What balance does the scenario reach?
Compare nominal dollars with today's dollars so inflation does not make a future balance look larger than it feels.
Retirement Reality Check
Retirement Savings Calculator
How does your retirement runway look under the assumptions you choose?
This is a savings-and-cost scenario, not a full retirement plan. It does not automatically estimate Social Security, taxes, healthcare, sequence-of-return risk, RMDs, Roth conversions or life expectancy.
Reviewed · Aug 14, 2026
Your scenario
Keep the assumptions simple enough that you can understand every output.
Across the retirement accounts you want included in this simplified scenario.
Before the investment-cost assumption below. The annual cost is modeled as a percentage removed from the invested balance.
Comparison only; not a claim that a lower-cost arrangement is otherwise identical in real life.
User-selected illustration, not a “safe withdrawal” recommendation.
Optional. Enter your own pension/Social Security estimate only if you already have one; Terra does not estimate it here.
My Terra saves only when you press Save to My Terra.
Save / compare scenarios in this browser
No account required. Saved inputs stay in your browser's local storage unless you clear them.
Scenario A
Nothing saved yet.
Scenario B
Nothing saved yet.
Save A and B to compare them here.
How to read it
Three useful questions — not one magic score.
2. How much of your stated spending target could that balance support?
The withdrawal rate is your assumption. Terra does not label 4% or any other rate “safe.”
3. How much do annual costs change the runway?
The comparison holds the gross-return assumption constant and changes only the annual cost input so you can see the modeled cost sensitivity.
What this omits
Taxes, healthcare, sequence risk, longevity, RMDs, Roth conversions, contribution limits and account-specific withdrawal rules. For pension + Social Security + annual retirement cash flow, use the deeper Retirement Income & Cash Flow Planner.
Official educational references: Investor.gov · Understanding Fees; Investor.gov · Compound Interest Calculator; Investor.gov · Automated Investment Tools assumptions warning.
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