How the estimates work

Your outlook combines your saved financial details with the assumptions shown in your plan. You can review and change those assumptions from Check Progress.

Your success percentage

The model tests 2,000 investment paths. The percentage shows how many of those paths fund your plan through the planning age you selected, including the costs and goals included in that calculation. It is not an independently calibrated probability of your personal future.

Chart curves

The middle curve is the median: half the modeled balances are above it and half below it. At each age, the 10th-percentile curve has 10% of modeled balances below it. These curves are summaries, not predictions of one path you will follow.

What affects the result

Savings, spending, retirement dates, investment assumptions, taxes, healthcare, benefits and included goals can change the estimate. Unknown information and unsupported account types can limit what the model includes. Home value is not automatically spendable retirement money.

What the tool does not cover fully

Taxes and account access rules are simplified. The model does not cover every tax credit, penalty, survivor benefit, inherited account rule or real-world investment risk. Results have not been independently certified. Review the assumptions and account-specific notes before using an estimate for a decision.