The RetireGuide™ graph shows your projected potential spending (income) in retirement with our recommended savings and with your current savings, for a conservative and likely market scenario. It assumes returns similar to the Betterment retirement portfolio returns at a moderate risk level for your age and retirement age. To get the most accurate advice through time, you should update manually entered non-Betterment account balances regularly. Learn more about our recommended allocations
All numbers are shown in today’s dollars, meaning they are adjusted for inflation. You can change the amount of inflation by clicking Edit Assumptions.
The graph shows both a "likely" and "conservative" investment growth outcome. "Likely" represents a 60% likelihood of the portfolio reaching its goal target, which is more conservative than the average probability. "Conservative" represents a 97.5% likelihood of the portfolio reaching its goal target, which approximates a cautious "worst case" approach.
Our withdrawal advice during retirement is designed to preserve your assets in the worst markets. We assume you make withdrawals in retirement according to our safe withdrawal advice, which uses a 96% chance of success.