Free Tool — No Email Required
Find Your
Freedom Date.
The only retirement simulator built for people who started late. Run your real numbers. See your gap. Pull the levers that actually move the date.
60 seconds. Free. No email required to run your numbers.
401(k), IRA, and similar accounts
Include employer match
Sitting in checking / savings
This simulator does not count Social Security. We plan like it's a bonus, not a foundation. Whatever you collect is upside.
Freedom Date
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Catch-Up Score
0
out of 100
Projected at Retirement
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You'll Need
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The Gap
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Your Trajectory
Now Close It
Pull a Lever.
Max the Catch-Up Contribution
The IRS lets you contribute $9,100 more per year after 50. $12,350 extra from 60 to 63. This provision exists for exactly your situation.
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Assumes you are not already making catch-up contributions. Maxes 401(k) catch-up + IRA catch-up for your age. Note for high earners: if your prior-year W-2 wages exceeded $150,000, 2026 rules require catch-up contributions to be made on a Roth basis.
Add to Monthly Contribution
Extra money into the market every month, starting now.
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Work Longer
Brutal lever, honest math. More contributions, more growth, later withdrawal. Your needed amount also inflates — both sides move.
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Your target amount also inflates when you extend — this shows the net effect.
Deploy Idle Cash
Money sitting in checking is shrinking 2.5% a year in real terms. Put it to work today.
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$
Added to your starting balance and compounded from today.
Get the 8-step catch-up sequence — free.
The Starter Playbook shows you the exact order of operations for every dollar you have. Enter your email and we'll send it now.
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Your numbers, based on what you entered:
Catch-Up Score
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Freedom Date
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Gap to Close
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The Playbook gives you the sequence. The Catch-Up Strategy Guide ($47) tells you exactly where you sit inside it — and what to fix first.
Assumptions & Methodology
| Assumption | Value | Why |
|---|---|---|
| Growth rate | 7% nominal, compounded monthly | Common long-run planning assumption. Your results will differ. Not a guarantee. |
| Target amount | 80% income ÷ 4% withdrawal = 20× income | Standard income-replacement and safe withdrawal rate convention. |
| Inflation | 2.5%/yr applied to needed amount | Consistent with nominal growth rate above. |
| Social Security | Excluded entirely | Plan like it's a bonus. Whatever you collect is upside. |
| 2026 catch-up limits | 401(k): +$8,000 (50+), +$11,250 (60–63) · IRA: +$1,100 (50+) | IRS Notice 2025-67, IR-2025-111, Rev. Proc. 2025-19. Verified June 2026. |
| 4% rule scope | Assumes ~30-year retirement | Bengen 1994 / Trinity Study 1998. Retiring 65–68 keeps this defensible. |