Explore how contributions, growth assumptions, and time shape your retirement picture. This educational tool provides a hypothetical estimate to support planning conversations—not a guarantee of future results.

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Profile Contributions Growth Goal Results

01 Your Profile

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Two-person household

Adds a second person and combines projections

Person 1

Name Optional

Current Age ?

Retirement Age ?

Current Savings ($) ?

Annual Income ($) ?

Catch-up contributions available — At age 50+, the IRS allows an additional $7,500/year in 401(k) contributions (2026 limit). Make sure you're taking advantage of this.

Person 2

Name Optional

Current Age

Retirement Age ?

Current Savings ($)

Annual Income ($) ?

Non-working spouse? A spousal IRA allows contributions up to $7,000/year (2026) even with $0 income, as long as the household has sufficient earned income. Ask Markus about this strategy.

Person 2 catch-up eligible — At 50+, an additional $7,500/year can be contributed to their 401(k).

02 Contributions

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Person 1 Contributions

Contribution Method

$ Amount % of Income

Frequency

Monthly Annually

Contribution Amount ($) ?

Contribution Rate (%) ?

Annual Raise (%) Optional ?

2.0%

0% = no raises assumed · typical 2–3%

Contribution Increase (% / yr) Optional ?

0.0%

Increases contribution amount each year

Person 2 Contributions

Contribution Method

$ Amount % of Income

Frequency

Monthly Annually

Contribution Amount ($)

Contribution Rate (%)

Annual Raise (%)

2.0%

Contribution Increase (% / yr)

0.0%

03 Growth Assumptions

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Expected Annual Rate of Return (%) ?

Conservative 4%

Moderate 7%

Aggressive 9%

7.0%

High return assumption — Returns above 10% are historically uncommon for diversified portfolios. This projection may be optimistic.

Inflation Adjustment ?

Adjust for inflation

Uses ~2.5% inflation; shows real dollars

Inflation-adjusted mode on. Results now reflect today's purchasing power. Your projected balance will appear lower, but is a more realistic measure of what that money will actually buy.

04 Retirement Goal Optional

✓ Set ▾

Desired Annual Income in Retirement ($/year) ?

Based on combined household income. Presets will update if income changes.

Assumed Withdrawal Rate (%) ?

4.0%

The "4% rule" is a common starting point — discuss with an advisor

Social Security Income ($/month) Optional ?

Check your estimate at ssa.gov · Claiming at 70 vs 62 can change your benefit by 30%+

Projection Results Hypothetical estimate only · Not advice · Not a guarantee

◈ Set a retirement goal above to see if you're on track.

Projected Balance at Retirement

—

Goal Requires

—

portfolio needed

Projected Monthly

—

from portfolio

Gap / Surplus

—

vs. goal

Est. Monthly from Portfolio

—

at withdrawal rate

Goal Monthly Income

—

your target

Projected Balance Over Time

Turn this projection into a plan.

A number is just a starting point. A real strategy accounts for taxes, risk, cash flow, and the full picture.

Schedule a Call

Save Your Results Nothing stored — device only

This tool provides a hypothetical, educational estimate only and is not a guarantee of future results. It uses simplified assumptions including a flat expected rate of return and steady contributions. It does not model market volatility, sequence-of-returns risk, taxes, fees, plan rules, or changes in IRS contribution limits.

IRS contribution limits shown reflect 2026 figures and do not account for future limit increases. Catch-up contribution eligibility begins at age 50. This tool does not constitute financial advice.

Advisory services and securities offered through Lincoln Investment, Registered Investment Adviser, Broker-Dealer, Member FINRA / SIPC. lincolninvestment.com

Tax bracket reference: IRS federal tax rates and brackets · Social Security estimates: ssa.gov/myaccount

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Location

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AMHERST, NY 14228

Contact

MAWILLIAMS@LINCOLNINVESTMENT.COM

(716) 696-2814

FINRA's BrokerCheck | Lincoln Investment Form CRS

Advisory services and securities offered through Lincoln Investment, Registered Investment Adviser, Broker-Dealer, Member FINRA / SIPC.
www.lincolninvestment.com

This site has been prepared solely for informational purposes and is not intended to be a solicitation, offer, or sale of securities products or investment advisory services to anyone who resides outside of the United States. Lincoln Investment and Capital Analysts are registered as investment advisers with the U.S. Securities and Exchange Commission. Lincoln Investment is registered as a broker-dealer in all 50 states. Lincoln Investment, Capital Analysts, and its Financial Representatives may only transact business in a particular state if first registered, or excluded or exempted from registration requirements. Tax, legal, or Social Security claiming advice is not offered through, nor supervised by, The Lincoln Investment Companies.

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