Individual skill
retirement-projection
Projects retirement readiness from savings rate, target nest egg, and compound growth - computes the required portfolio via safe-withdrawal-rate math, years to financial independence, and pension or Social Security offsets, with a runnable calculator. Use when someone asks "how much do I need to retire", "am I on track to retire at 60", "what does my savings rate get me", or "can I retire early". General financial education, not personalized investment advice. Do NOT use for choosing funds or setting an asset allocation - use investment-basics instead; do NOT use for a full financial plan with budgeting and insurance - use financial-planner instead.
skills/retirement-projection/SKILL.md
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- Oct 13, 2026
- License
- MIT
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# Retirement Projection
Retirement planning is not about picking a magic number - it is about the relationship between savings rate, time, and withdrawal needs. Small differences in savings rate now create enormous differences in outcomes later, and the most common projection errors are the flattering ones: nominal returns instead of real, base withdrawal rates for 40-year retirements, and forgetting healthcare before government coverage kicks in.
This is general financial education, not personalized investment, tax, or legal advice. Projections rest on uncertain assumptions about returns, inflation, longevity, and taxes.
## Operating procedure
Order matters: spending comes first because it drives the nest-egg target, and offsets must be subtracted before the withdrawal-rate division - applying them afterward double-counts.
### Step 1: Gather inputs
Collect, with defaults; label anything estimated as a guess:
