WealthLogic Freedom Engine
Calculate your personalized Freedom Number for retirement. See if your current savings trajectory will support your desired lifestyle, accounting for Social Security benefits and inflation.
Important Legal Disclaimer
This calculator is for educational and estimation purposes only. It is not intended as financial, investment, tax, legal, or retirement planning advice.
The results are estimates based on assumptions you provide and standard financial formulas. Actual results may vary significantly due to:
- Market volatility and investment performance
- Changes in inflation rates
- Social Security benefit changes
- Tax law changes
- Unforeseen expenses or life events
Always consult with a qualified financial advisor, CPA, or retirement planning professional before making any financial decisions. Do not rely solely on this calculator for retirement planning.
Your Retirement Details
Years old
Years old
Current monthly spending
Conservative default: $2,000/month
Select when you plan to start claiming Social Security benefits
Your current nest egg
Monthly savings/investment
Default: 7% (historical stock market average)
Your Personalized Freedom Number: $3,311,959
This is the amount you'll need to retire comfortably at age 65.
The Logic Insight
📊 You're making great progress! Based on your current plan, you're projected to have $1,632,912 at retirement.
To reach your Freedom Number, consider increasing your monthly contribution by approximately $4,359 per month, or adjust your retirement age slightly. Every step forward counts! 💪
⚠️ Gap Period Analysis
You're retiring at age 65, but Social Security won't start until age 67. That's a 2-year gap where your portfolio must cover all expenses.
Your Freedom Number includes $271,066 to bridge this gap period, plus $3,040,894 for the post-Social Security period.
💡 Tip: If you delay Social Security to age 70, your monthly benefit increases by ~8% per year, which can reduce your Freedom Number after the gap.
Purchasing Power Context
To maintain your current lifestyle, your future monthly expenses of $12,136 will feel exactly like $5,000 does now (accounting for 3% annual inflation).
You've got this! 💪
Income vs Expenses at Retirement
This chart shows your income after Social Security starts at age 67. Remember, you'll need to cover all expenses from your portfolio alone during the 2-year gap from age 65 to 67.
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