Retirement Planning Calculator

Prompt

Build a comprehensive retirement planning analysis for [YOUR NAME OR 'MY HOUSEHOLD'].

Current financial picture:
- Age: [CURRENT AGE]
- Target retirement age: [AGE]
- Current retirement savings: [AMOUNT]
- Annual contribution: [AMOUNT]
- Employer match: [PERCENTAGE UP TO PERCENTAGE]
- Current investment allocation: [DESCRIBE OR PASTE]
- Expected annual return: [PERCENTAGE OR 'HELP ME ESTIMATE']

Retirement needs:
- Expected annual spending in retirement: [AMOUNT IN TODAY'S DOLLARS]
- Inflation assumption: [PERCENTAGE]
- Social Security estimate: [MONTHLY AMOUNT AT [AGE] OR 'UNKNOWN']
- Other income sources: [PENSION / RENTAL / PART-TIME WORK]
- Expected retirement length: [TO AGE]

Analyze:

1. **Retirement Number** — How much do I need saved by retirement age? Use both the 4% rule and a detailed calculation.

2. **Current Trajectory** — At my current savings rate and return assumption, what will I have at retirement?

3. **Gap Analysis** — Am I on track? If not, how large is the gap?

4. **Scenario Modeling** — What happens if:
   - I retire 5 years early?
   - Markets return 1-2% less than expected?
   - I increase contributions by $[AMOUNT] per year?

5. **Catch-Up Strategy** — If behind, what are the most impactful levers?

6. **Withdrawal Strategy** — Which accounts to draw from first in retirement and why.

7. **Healthcare Bridge** — How to handle healthcare costs between retirement and Medicare eligibility.