Clear Money Guide
Start with the tool
Open the inputs first, then use the guide outline to check assumptions and sources.
Savings Rate & Time-to-Goal Forecaster
Updated on
How long to hit your goal in today’s dollars? Enter your portfolio, savings, return, and inflation. Choose a dollar target or an FI multiple (e.g., 25× spending).
Inputs
Results
Method (today’s dollars using real return)
Next: tune contributions in your 401(k) Contribution Strategy and set a safe withdrawal plan with Withdrawal Guardrails.
What to do next
Figures verified on September 30, 2026: this page states no IRS, SSA or other official figures, and the pre-filled inputs are illustrative defaults, not official numbers. The real-return conversion shown in the method note was checked against the calculator’s own formula.
Editorial standards: see our Editorial Policy.
That is the timeline at your current rate. Every input in it is negotiable except time.
Rate, return and horizon trade against each other, and the honest version of this conversation involves someone challenging your assumptions. The advisers below pay for the introduction. It is free to you, and it is not the only way to find an adviser.
Before you start, what actually happens. The form is run by Kapitalwise, our advisor-matching partner. Kapitalwise sends your details to advisers who pay for the introduction, so expect calls and texts. Clear Money Guide may earn a referral payment through this service, whether or not you ever hire anyone. This is free to you and there is no obligation to hire anyone.
The Kapitalwise form opens here — you stay on this page.
What happens when you press the button
It asks about nine questions — age, investable assets, location — then your name, email and phone number, and verifies the phone by text. Nothing loads and nothing reaches Kapitalwise until you press the button.