Profile: 30-year-old starting retirement savings with standard retirement at 65

Try this scenario

Financial Settings

• Current Savings: $20,000
• Interest Rate: 5% (real return above inflation)

Timeline

• Start Year: 2026
• Current Age: 30
• Retirement Age: 65
• Life Expectancy: 90

Contributions

• “Monthly Savings”: $1,500/month, Pre-retirement

Withdrawals

• “Retirement Living”: $4,000/month, Retirement

Expected outcome

Capital grows strongly by retirement. Interest covers a meaningful share of expenses, but some drawdown may occur. Verify whether capital lasts through your life expectancy.