Enter the basics
Current age, desired retirement age, current savings, monthly contribution, and expected annual spending in retirement.
Use the retirement calculator below to estimate how much you need to retire. A starting answer in two minutes, then book a call to talk through what the number actually means for your plan. Built by a fiduciary CFP serving South Florida.
Current age, desired retirement age, current savings, monthly contribution, and expected annual spending in retirement.
We use mainstream assumptions: long-term inflation around 3 percent, a balanced investment return roughly 6 percent net of inflation, a sustainable withdrawal rate around 4 percent.
The calculator returns the approximate nest egg you would need at retirement to fund the spending you described. Useful as a starting framework.
This is a starting estimate, not a financial plan. It doesn't account for Social Security, healthcare, real estate, taxes, RMDs, sequence-of-returns risk, or your specific situation.
We meet on a real cadence, usually quarterly. The plan flexes as your life and the tax code change. Most relationships span decades.
Offices in Boca Raton and Plantation, plus licensed in all 50 states. Existing clients keep us when they move.
The calculator gives you a starting framework: roughly how much you need at retirement to fund the spending you described, and roughly how on-track or off-track your current savings rate is relative to that target.
The output is a starting point for conversation, not a complete plan. The math behind a real retirement plan is more involved than any calculator can capture.
If the calculator tells you something obvious (you're massively under-saving, or comfortably ahead), the action is easy: keep doing what you're doing, or change the savings rate or the retirement age.
If the calculator tells you you're close but not sure, that's when the real planning starts. The withdrawal sequence, the tax positioning, the Social Security claim timing, the healthcare bridge, and the estate plan all interact in ways the calculator can't model. That's the work we do.
Want to talk through what the number means? Schedule a free consultation or call 954-809-3553. We'll be honest about whether a planning relationship makes sense for your situation.
The calculator is a starting point. These pages get into the real work:
The full retirement-planning hub: income strategy, RMDs, Social Security, healthcare bridge.
See retirement planning →The single highest-value tax move many pre-retirees can make.
See roth conversion strategy →When to claim, how spousal benefits work, how it fits the income sequence.
See social security optimization →The calculator is useful in early-stage planning thinking for:
Mainstream-accurate as a starting estimate. The calculator uses standard assumptions about inflation, returns, and withdrawal rates. The error bars are wide in any direction because real financial planning depends on dozens of variables the calculator doesn't capture.
No. The calculator is free to use without any email or contact information. If you want to talk through the result with a CFP, you can schedule a free consultation, but using the tool doesn't require it.
We use a long-term real return assumption of about 5 to 6 percent (net of inflation) for a balanced portfolio. This is in line with mainstream long-term planning assumptions, but actual returns vary substantially year to year and depend on your allocation.
The 4 percent rule is a common starting assumption: you can withdraw about 4 percent of your nest egg in year one, then increase by inflation each year, with a high probability of the money lasting 30 years. Real planning often uses a more refined approach, but 4 percent is a useful starting framework.
That's where the planning relationship begins. Schedule a free consultation to talk through your actual situation. The calculator is the starting framework. The real plan is built around your specifics.
The first meeting is a conversation, not a sales pitch. We'll talk about where you are, what you're working through, and whether Intercoastal is the right fit. In person in Boca Raton or Plantation, or by video from anywhere.