RETIREMENT — EARLIER, LIGHTER, SMARTER
Build options, not pressure.
Use the Options Builder to find your next best step, then run the “What-If” calculator and the Lifestyle + Business planner.
Retirement Options Builder
Answer a few questions. Get your top 3 next moves (built for real life: student loans, high rates, changing jobs).
Current age
Target retirement age
Current retirement savings (total)
Monthly retirement contributions
Employer-sponsored retirement plan?
Employer match (% of pay) — optional
If you don’t know, leave it.
What’s most “heavy” right now? (choose any)
Risk tolerance
What do you want retirement to enable? (choose any)
Tip: after you get your next 3 moves, jump to the What-If Calculator tab — it will auto-fill using your answers.
Educational tools only — not legal advice or individualized financial advice. Past performance doesn’t guarantee future results.
Want a lighter plan you can actually stick to?
Save your progress, get guided next steps, and run more “what-if” scenarios inside the Millennial Financial Lab.
Retirement Goal “What-If” Calculator
Set your goal in today’s dollars. Choose assumptions. See where you land at 10, 20, 30 years — plus at retirement.
Current age
Retirement age
Current savings
Monthly contribution
Increase contribution each year?
Annual increase (%)
Only used if “Yes” above.
Retirement goal (today’s dollars)
Investment return (annual %)
Example: 7%
Inflation (annual %)
Example: 5%
Lifestyle + Business Planner
Retirement isn’t just “stop working.” It might be a smaller workweek, a new city, or starting a business.
Use this to clarify what you’re saving for.
Top retirement vibe
What matters most?
Any constraints?
Notes (optional)
