Retirement Planning Center

2-Minute Stress Test

Does your retirement plan hold up?

Enter household totals below. We’ll test your spending against a baseline projection, a Monte Carlo run across many possible markets, and actual historical market sequences.

No account required. No bank connection. Uses standard assumptions you can fully customize in a free plan. Enter household numbers here; a free account lets you track partner inputs separately.

Your household

In today’s dollars

Balances today

Annual contributions until retirement

Yearly amounts you expect to add to each bucket while still working.

Assumptions used for this quick test

  • Plan through age 95
  • Illustrative household Social Security: $30,000/year starting at age 65 (not your personal benefit)
  • Spending is entered in today’s dollars and rises with inflation
  • Baseline portfolio return 6.5%/year and inflation 2.5%/year (planner defaults)
  • Standard withdrawal order: taxable → tax-deferred → Roth
  • No income-tax calculation in this quick test
  • Balances map to three planning buckets (Roth IRA, traditional IRA, taxable brokerage)

Want to change these assumptions? A free plan lets you edit Social Security, planning age, inflation, returns, individual accounts, income, spending, RMDs, partner details, and much more — with full control over every input.