Will the savings actually last.

A readiness view rather than one intimidating target. Add a care scenario to see what a few years of help at home would do to the plan.

Time: About 3 minutes
Cost: Free, no sign-in
Best with: Your health care estimate

Current age Planned retirement age Life expectancy 90 years Annual spending excluding healthcare Lifetime healthcare spending Care needs scenario Advanced mode

Long-term care scenario

Model housing and care needs such as Skilled Nursing, Assisted Living, and Memory Care. Defaults use national median care costs and can be adjusted for local pricing or insurance.

Current monthly care cost Local cost multiplier This adjusts the national median care cost for your local market. Keep it at 100% when you want the baseline estimate, raise it if local providers cost more than the national median, or lower it if you have reliable local quotes below the benchmark. Care starts at age Years of paid care Care cost growth above inflation Monthly insurance/family offset

Your retirement savings target estimate will appear here. Use the form to combine lifestyle spending, healthcare spending, longevity, and savings assumptions.

Healthcare stays separate

Separating lifestyle and healthcare spending makes the retirement target easier to stress test.

Real returns keep dollars comparable

Advanced mode uses returns after inflation so long-range numbers stay in today's dollars.

Care needs are a separate shock

Assisted living, memory care, and skilled nursing can be modeled as a distinct reserve.

Assumptions: Basic mode uses current-dollar annual spending multiplied by years in retirement. Advanced mode uses real returns after inflation. Long-term care defaults use national median costs and should be replaced with local quotes, policy benefits, or family-care assumptions when available.

A single number hides the thing that matters.

Retirement calculators usually answer one question: have you saved enough. That framing hides the more useful question, which is how much room you have if something goes differently than planned.

The care scenario is the input most people skip and most often need. A few years of help at home, or a period in assisted living, is the single largest thing that separates a plan that works from one that does not, and it rarely appears in a standard projection.

Where this leads