Retirement Stress Test
The "Safety Score" Stress Test
Will your nest egg survive 20+ years of rising costs?
Current Finances
Social Security, Pension, etc.
Market Assumptions
Your Safety Score
A
Inflation Impact
Monthly Gap Today:
Monthly Gap in 15 Years:
*Calculated based on your specific inflation assumption.
Nest Egg Projection (Inflation-Adjusted)
Enter your details and click "Run Stress Test" to see your personalized retirement safety analysis.
Not happy with your score?
Simple adjustments to your strategy can add 10+ years to your nest egg.
The Logic Behind the Tool
here is the financial logic:
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Purchasing Power Erosion:
The tool calculates the "Real Value" of a dollar using the formula:
Value = CurrentAmount / (1 + i)ni= inflation rate
n= years - The "Gap" Calculation: It compares fixed income (like Social Security) against rising expenses. Since Social Security COLAs (Cost of Living Adjustments) often lag behind real-world inflation for seniors (healthcare, food), the "Gap" grows every year.
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Portfolio Longevity (The Stress Test):
It takes the current nest egg and applies a conservative growth rate (e.g., 4–6%).
- It then subtracts the "Inflation-Adjusted Expense" every year.
- The tool identifies the "Cliff Year"—the year the portfolio hits zero.
- The "Safety Score": It gives the user a grade based on how many years of coverage they have (e.g., 30+ years = "Secure", <15 years = "Action Required").
