Your Retirement Illustration
Review your numbers below, then download your customized 5-page retirement plan.
📄 Need help understanding your numbers? Open the Quick Reference Guide →
🏫 Your Retirement Snapshot
Your teaching info and retirement timeline. Click "Edit Numbers" to make changes.
👤 Enter your personal numbers here. This section is for you only — not combined household totals.
💑 If you have a spouse or partner, you’ll see a green section further down where you can add their information.
Name
State
Current Age
Target Retirement Age
Years to Save
Annual Salary
Years of Service
Monthly Savings Goal
📊 Current Retirement Balances
Your 403(b), 457(b), and other investment balances — the foundation you're building on.
Current 403(b) Balance
Current 457(b) Balance
Other Investments
Roth IRA, brokerage, HSA, crypto, etc.
💰 Your Income Gap Analysis
This is the core of your retirement plan — closing the gap between what you'll have and what you'll need. Spouse or partner income is factored in below to give you your true combined household picture.
Desired Monthly Household Income
The total monthly income you'd like in retirement — for you and your spouse/partner combined.
Estimated Monthly Pension
Expected Social Security
💡 For a more accurate picture, enter your estimated after-tax monthly amounts for pension and Social Security.
Combined Reliable Income
Your Monthly Income Gap
🎯 Your Retirement Illustration
Save per month:
Total current portfolio:
Projected balance at retirement:
Based on 7% historical avg. annual return
Based on 7% historical avg. annual return
⚠️ Pre-tax estimate. If contributing to traditional accounts, withdrawals will be taxed as ordinary income — your actual spendable amount will be lower.
Estimated Monthly Withdrawal
Based on the 4% Rule
Gap status: