Profile: 40-year-old with mid-career savings and conservative assumptions

Try this scenario

Financial Settings

• Current Savings: $75,000
• Interest Rate: 3.5% (conservative estimate)

Timeline

• Start Year: 2026
• Current Age: 40
• Retirement Age: 67
• Life Expectancy: 95

Contributions

• “Monthly 401k”: $1,200/month, Pre-retirement
• “Employer Match”: $600/month, Pre-retirement
• “Catch-up Contributions”: $500/month, custom dates 2031–2036

Withdrawals

• “Basic Living”: $3,500/month, Retirement
• “Healthcare Expenses”: $800/month, Retirement
• “Travel Fund”: $5,000/year, first 10 years of retirement

Expected outcome

Conservative assumptions help reduce surprise risk. Longer life expectancy planning tests durability.