Retirement Planning Tools & Calculators

Investment Calculator

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$
7%
30 years
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Social Security Calculator

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2.5%
Average cost of living adjustment since 1976 is 3.7%
20 years
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Bucket Strategy

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$
7 Years
2y Cash / 5y Bonds
Allocation Strategy:
A bucket strategy in retirement planning divides assets into time-based "buckets" to manage risk and try to ensure consistent income. You hold cash for your immediate spending needs (Bucket 1), bonds for your mid-term needs (Bucket 2), and stocks for long term growth to fight inflation (Bucket 3). The idea is to draw from less volatile assets during downturns and avoid selling stocks while they are temporarily on sale. Your "Warchest" is the number of years you would like in cash and bonds (combined).
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Liquidity for immediate spending.
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Fixed income to bridge mid-term needs.
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Growth and inflation protection.

Dividend Income Growth

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1.5%
5.0%
The Dividend Tradeoff:
Investors generally face a choice between current income and future income.

Stocks with high current yields often have slower growth rates. Companies with lower initial yields often grow their dividends more aggressively over time.

Note: This projection shows the growth of the dividend payout itself and does not include the additional compounding power of reinvesting those dividends.
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Retirement Income Guardrails

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5.2%
Guyton-Klinger Methodology:
• Research shows 99% of retirees can safely start with a withdrawal rate between 5.2% and 5.6%.
• Inflation: Adjust for CPI up to a 6% annual increase.
• Longevity: When you expect to have 15 years or less remaining, you remove the lower guardrail (Pay Cut).
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Preservation Rule (Pay Cut) $0

Prosperity Rule (Raise) $0