Not Financial Advice: This tool is for educational and planning purposes only. Results are projections based on your inputs and assumptions. This is not personalized financial, tax, or investment advice.

Inflation Assumptions: Actual inflation rates vary significantly over time and by category. Real-world cost changes for housing, healthcare, food, and other expenses may differ substantially from the uniform inflation rates used in this calculator.

Life Changes: Job transitions, family changes, health issues, geographic moves, and lifestyle adjustments are not modeled but can materially impact your actual cost of living in retirement.

Economic Factors: Economic conditions, policy changes, technological advances, and other external factors may significantly alter future costs in ways not captured by simple inflation projections.

Professional Guidance: Consider consulting with qualified financial advisors, tax professionals, and retirement planning specialists who can provide personalized advice for your complete financial situation and retirement planning needs.