🦅 Retirement Portfolio Analyzer
This retirement portfolio analyzer looks at what you already have and how you're invested — your balance, your monthly contributions, and your stock/bond/cash mix — and estimates the nest egg you're on pace to build, the income it could provide, and whether you're on track for retirement. It also checks whether your allocation fits your age. Everything runs in your browser; nothing you type is sent anywhere.
Looking for a free portfolio visualizer? This is a simpler, genuinely free portfolio analyzer you can use right now — no signup, no cost, and no account required.
Estimates only. Returns are modeled from your mix using long-run averages (stocks ≈ 7%, bonds ≈ 3.5%, cash ≈ 2%) and the 4% withdrawal guideline; real markets, taxes, fees, and Social Security vary. This is educational information, not financial advice.
How to use the retirement portfolio analyzer
The analyzer answers three questions in one place:
- Am I on track? It projects your current balance plus contributions forward at a return based on your asset mix, applies the 4% rule, adds Social Security or a pension, and compares the result to the income you say you'll want.
- Is my mix right for my age? A common guideline is holding roughly 110 minus your age in stocks. The analyzer flags whether you're aggressive, conservative, or about right, so you can weigh growth against how big a downturn you could stomach.
- What moves the needle? Change your monthly contribution, retirement age, or stock share and watch the verdict update instantly — it's the fastest way to see which lever helps most.
What "on track" means here
We treat you as on track when your projected income (portfolio withdrawals at 4% plus Social Security/pension) meets or beats your target — typically about 80% of today's income. Falling short isn't failure; it just means one of the levers — save more, invest a bit more for growth, or work a little longer — needs to move. Reaching or beating 100% means your plan, as entered, covers the income you asked for.
Educational only — not financial advice. Consult a qualified advisor about your situation.