This number determines how much time you have to prepare for retirement.
Use your gross annual income before taxes and other deductions. This number helps gauge your ability to save.
This number should include 401(k)s, IRAs, etc., plus any employer contributions to help determine your retirement readiness as of today.
This number helps determine whether you’re on track to have enough money saved by retirement age. Be sure to include contributions going to your workplace savings account [e.g., 401(k), 403(b)] or IRA or another savings account. Don’t forget to include your employer’s contributions. Use your best guess if you don’t know the exact amount.
Keep in mind, your standard of living will likely change when you retire. Will your mortgage be paid off? Will you save money on your daily commute? Will you spend more on travel or entertainment?
I’ll spend less
I’ll spend the same
I’ll spend more
Conservative: Lower risk for capital preservation
Moderate: Taking on moderate risk for moderate returns
Growth: Accepting more risk to seek higher returns
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