Compare two retirement scenarios — projected portfolio, sustainable income, freedom and wellbeing.
Retiring earlier isn't just about money — it's a trade-off between freedom, health, security and meaning.
Assumptions shared between the two scenarios.
These sliders shape the wellbeing and career weightings.
0 = very unsatisfied, 10 = fully fulfilled.
0 = very low, 10 = very high.
0 = poor, 10 = excellent.
How strongly you value time freedom.
How much your work adds meaning to your life.
Adjust how much each dimension matters. Totals are normalized automatically.
0 = very cautious, 100 = comfortable with uncertainty.
How much you want a well-overfunded portfolio.
Adjust the retirement ages then run the analysis.
Side-by-side comparison of the two retirement scenarios.
A quick snapshot of where you stand today.
Age at which your portfolio could sustain your spending.
Current portfolio vs financial independence target.
How well your projections fund your desired spending.
What each scenario actually gives you.
10 extra years of freedom, plus time for health, family and personal projects — before age and energy change the equation.
About $266,018 less portfolio and $14,309/year lower sustainable income — a thinner cushion against surprises.
A stronger portfolio, a funding ratio of 75%, and a larger safety margin against bad market years.
The dominant influence in your decision is Financial. Your risk profile and the value you place on your time drive the outcome at least as much as the numbers.
In today's dollars.
Compared to your desired spending of $45,000.
Retire at 60
Best choice: Scenario B
Scenario B looks like your best overall balance.
This tool helps you reflect, not decide for you. Consult a professional for a personalized plan.
Numbers used behind the projections.
Decision Lab Studio is an educational decision-support tool. Results are based on user-provided assumptions and are not financial, legal, tax, or professional advice.
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