Educational Tool · Not Financial Advice

Retirement Roadmap

Build a conservative / moderate / optimistic projection from your numbers, see any shortfall, and get five concrete next actions.

This is an educational estimate, not a guarantee. Figures use simplified compounding assumptions and don't account for taxes, sequence-of-returns risk, or fees unless you enter them. Confirm anything material with a CPA or fee-only fiduciary adviser before acting.

Your situation

The 8 essentials the roadmap needs. Leave employer match / SS blank if unknown — we'll flag it as an assumption.

Current age

Desired retirement age

State / country

Annual income ($)

Current retirement savings ($)

Your monthly contribution ($)

Employer match ($/mo, 0 if none)

Expected SS/pension ($/mo, 0 if unknown)

Desired retirement spending ($/mo, today's $)

Debt balance ($, 0 if none)

Debt interest rate (%, if any)

Plan money lasting to age

Risk comfort

Low Medium High

Projected outcome at retirement

Three growth-rate scenarios, same contributions. All figures in today's purchasing power (inflation-adjusted).

If you're behind: monthly savings needed

Five next actions rule-based, not advice

AI narrative summary optional · BYOK or subscription

Turns your computed roadmap into a plain-English write-up. This is the one feature on this page with a real cost per use, so it follows Arowana's usual BYOK-or-subscription pattern rather than being free like the calculators.

Stress test

Runs your moderate-scenario numbers through seven adverse conditions instead of assuming everything goes as planned. This is scenario math, not a Monte Carlo simulation.

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Where should my next dollar go?

Uses your debt rate, employer match, and current 401(k) contribution from the roadmap above, plus a few extra details, to build a prioritized waterfall. Limits are the IRS's official 2026 figures (Notice 2025-67 / Rev. Proc. 2025-19) — reconfirm before acting, since these change yearly.

Extra amount available ($/mo)

Essential monthly expenses ($)

Emergency fund saved (months of expenses)

HSA eligibility

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Social Security: when to claim

Compares claiming at 62, full retirement age (67, for anyone born 1960+), and 70 — using your current age and life-expectancy assumption from the roadmap above. FRA is 67; early claiming cuts benefits ~30%; delaying to 70 adds ~24% (8%/yr) — 2026 SSA figures.

Estimated monthly benefit at FRA (67) ($)

Actual estimate at 62, if known ($, optional)

Actual estimate at 70, if known ($, optional)

Marital status

Spouse's age (if married)

Spouse's estimated FRA benefit ($/mo, if married)

Planned work income after claiming ($/yr, if claiming before FRA)

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Three portfolio options

Educational allocation ranges across broad, low-cost fund categories — not specific tickers, not guaranteed returns. Uses your age and retirement age from the roadmap above.

Investing experience

Beginner Intermediate

If the market dropped 30%, you'd most likely...

Sell Hold Buy more Unsure

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Roth vs. Traditional & conversion analysis

Uses real 2026 IRS brackets (Rev. Proc. 2025-32) to compare your current marginal rate against retirement. State taxes, NIIT, and AMT are not modeled — flagged below where a CPA should confirm.

Filing status

Current taxable income ($/yr, after deductions)

Expected retirement taxable income ($/yr)

Pre-tax (Traditional) balance ($)

Roth balance ($)

Cash available to pay conversion taxes ($, optional)

Test converting this amount this year ($, optional)

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Withdrawal sequencing (first 5 years)

Compares taxable-first, proportional, and bracket-managed withdrawal order. Assumes 4% real growth on remaining balances, Social Security 85% taxable (a common upper-bound assumption, flagged), and uses your filing status's 2026 brackets — not a substitute for a CPA's projection.

Filing status

Cash at retirement ($)

Taxable investments ($)

Traditional retirement accounts ($)

Roth accounts ($)

Pension ($/yr, 0 if none)

Social Security ($/yr)

Annual spending need ($/yr)

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12-month action plan

Turns everything above into a checklist organized by timeframe, personalized to what you've entered in this roadmap.

Insurance coverage (life/disability)

Estate documents (will, POA, beneficiaries)

Your biggest concern right now (optional)

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