These illustrations are hypothetical and do not represent the return on any particular investment. The rate is not guaranteed. All investing is subject to risk, including the possible loss of the money you invest.


  1. Contributions to retirement accounts are assumed to grow at the same rate as salary growth.
  2. To estimate retirement income, we first project how much you’ll have saved by the time you reach retirement.  Then, we use the “4% rule” — that is, we assume that you can draw 4% of your initial nest egg each year in retirement and be reasonably confident that you won’t outlive your savings.
  3. Income replacement percentages are calculated on a pre-tax basis.  Projected retirement income is discounted by the input inflation factor to today’s dollars, this is done in order to compare projected retirement income to your current income.


  1. It is assumed that Social Security will provide a 1.5% cost of living adjustment (COLA) annually.