Your Nest Egg

Values save automatically

Household assumptions

Scenario

Scenario name

Notes

Household assumptions

Include a second person

First person

Second person

First person's current age

Second person's current age

First person's retirement age

Second person's retirement age

First person's monthly earned income

$

Second person's monthly earned income

$

First person's annual earned income increase

%

Applied only until the first person retires.

Second person's annual earned income increase

%

Applied only until the second person retires.

Household assets and spending

Household liquid assets

$

Monthly household contributions until both are retired

$

Current Monthly Household Spending

$

Enter what your household spends today. Nest Egg applies it immediately and adjusts it for inflation throughout the projection.

Significant future purchase

Include one significant future purchase

Retirement income

First person's Social Security

$

Second person's Social Security

$

Social Security COLA

%

Applied to Social Security benefits after they begin, including the survivor benefit.

Monthly pension

$

Pension belongs to

Pension starts at owner's age

Monthly annuity income

$

Annuity belongs to

Annuity income starts at owner's age

Annuity payout type

Other monthly income

$

Other income belongs to

--

outlook score

Enter assumptions

Your retirement picture will appear here.

Projected Investment Portfolio

AssetsRetirementSurvivor transition

Household Income and Spending

Stacked income sources show total applicable household income. The red line shows modeled household spending.

Person 1 income Person 2 income Household spending

At retirement

—

Average Annual Draw

—

Across modeled retirement months

Peak Annualized Draw

—

Largest single-month draw × 12

Savings last until

—

Survivor ending balance

—

When survivor reaches age 100

Projection math check

This reconciles the modeled ending portfolio from the cash flows and investment growth used in the projection.

Starting investment portfolio—
Household contributions—
Income surplus added to portfolio—
Investment growth—
Future purchase outlays—
Other portfolio withdrawals—
Modeled ending portfolio—

What the projection says

Uses the assumptions and completed projection currently shown.

How the score is built

Longevity through survivor age 100—
Initial income coverage—
Remaining financial cushion—

Long-term assumptions

These settings shape the later years of the projection.

Growth assumptions

Growth before retirement

%

Growth after retirement

%

Inflation

%

Life expectancy

First person's age at death

Second person's age at death

Survivor's monthly spending (today's dollars)

$

Percentage of original spending

%

Survivor transition

Choose which income sources continue to the survivor.

Pension continues

Other income continues

The tool infers who dies first from each person's current age and entered age at death. At the first death, the investment portfolio remains intact. The survivor keeps the larger Social Security benefit, not both benefits. The projection then continues until the survivor reaches age 100.