Lifetime Wealth Projection
Understand your lifetime wealth. Make your own decisions. Take control of your future.
Your complete financial picture from today to age 90 — across base, optimistic, and conservative scenarios.
Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →
How this is calculated
We chart your net worth across your whole life — saving and compounding during working years, then spending down in retirement — to find your peak and whether the money lasts.
The steps
- Each working year: grow net worth at your return and add annual savings (stepped up if set).
- Each retirement year: grow at your return, then withdraw your spending need minus Social Security — both entered in today’s dollars and grown by your inflation rate.
- Track the peak net worth and flag the age (if any) the balance hits zero.
Assumptions
- One blended annual return through life; projection runs to age 90.
- Spending and Social Security entered by you in today’s dollars; both rise with your inflation rate (Social Security is COLA-adjusted).
Good to know
- No market volatility or taxes modeled.
- A single-path estimate, not a probability.
Related resources
Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →