Retirement Readiness Calculator | Crosby Advisory Group, LLC

For illustrative and educational purposes only. This tool does not constitute personalized investment advice. All projections are hypothetical, based on your inputs, and are not guaranteed. See full disclosures below.

Household

Assets

Income & Goals

Results

🏠 Step 1 — Household & Retirement Timeline

Your Current Age

Target Retirement Age

Planning Age (Life Expectancy) How long your plan should fund — age 90 is a common conservative default.

Married or partnered household

📥 Step 3 — Income, Spending & Assumptions

Spending Goal

Desired Annual Retirement Spending (Today's Dollars) Enter what you'd want to spend at today's prices. The calculator adjusts for inflation.

Separate essential vs. discretionary spending

Social Security & Guaranteed Income

Est. Monthly Social Security ($)Find your estimate at ssa.gov/myaccount

SS Claiming Age

Annual Pension Income ($)Today's dollars

Annual Annuity Income ($)

Annual Rental / Other Income ($)

Part-Time Work (Annual, Early Retirement)

⚙ Advanced Assumptions ▼ Show

Inflation Rate (%)Default: 2.5%

Pre-Retirement Return (%)Default: 7.0%

Post-Retirement Return (%)Default: 5.5%

Withdrawal Rate (%)4% rule default

⚠ We generally do not recommend withdrawal rates above 5%. A higher rate significantly increases the risk of depleting assets in a long retirement. One option worth exploring is an annuity structure that can provide guaranteed lifetime income regardless of portfolio performance. Talk to an advisor about annuity options →

📈 Portfolio Projection — Accumulation & Drawdown

💳 Estimated Monthly Retirement Paycheck

📊 Retirement Income Sources (Annual)

🔧 What Would Help Most

Each row estimates the impact of a single change to your current plan, all other assumptions held constant.

⚠️ Key Planning Risks

📋 Action Summary

Want a personalized review from Crosby Advisory Group?

Discuss Your Results With Our Advisors →

Important Disclosures: Crosby Advisory Group, LLC is a registered investment adviser in the State of Ohio. Registration does not imply a certain level of skill or training. This calculator is provided for educational and illustrative purposes only and does not constitute investment advice, a recommendation, or an offer to buy or sell any security. All projections are hypothetical, based solely on assumptions you provide, and are not guarantees of future results. Actual investment returns, inflation, and longevity will differ from assumptions. Social Security benefit estimates should be verified at ssa.gov/myaccount. This tool does not perform tax planning and should not be relied upon for tax advice — consult a qualified tax professional. For a comprehensive financial plan tailored to your specific situation, please contact our office or review our Form ADV Part 2A. All investing involves risk, including possible loss of principal. Past performance does not guarantee future results.