Congratulations!!! It appears that you have saved enough to meet your goal. In fact, it appears that at age 85 you may still have $604,790 in your retirement accounts. The total amount needed for retirement, including amounts already saved, is $0, based on the current assumptions provided. <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "MSColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='0' showFCMenuItem='0' decimals='0' formatNumberScale='0' caption='Retirement Analysis' xAxisName='Your Age' numberPrefix='$' bgColor='FFFFFF' showBorder='0' borderColor='FFFFFF' borderThickness='0' drawCustomLegend='1' canvasBgColor='ffffff' showAlternateHGridColor='0' plotGradientColor='' numberSuffix='' thousandSeparator=',' decimalSeparator='.'><categories><category label='69' /><category label='' /><category label='' /><category label='72' /><category label='' /><category label='' /><category label='75' /><category label='' /><category label='' /><category label='78' /><category label='' /><category label='' /><category label='81' /><category label='' /><category label='' /><category label='84' /></categories><dataset seriesName='Retirement Balance' color='004969'><set value='1000000.0' /><set value='1035000.0' /><set value='1019817.0' /><set value='1003074.0' /><set value='984697.0' /><set value='964607.0' /><set value='942723.0' /><set value='918959.0' /><set value='893229.0' /><set value='865440.0' /><set value='835498.0' /><set value='803303.0' /><set value='768753.0' /><set value='731740.0' /><set value='692153.0' /><set value='649877.0' /></dataset><dataset seriesName='Retirement Income' color='36CAF3'><set value='0.0' /><set value='51408.0' /><set value='52436.0' /><set value='53485.0' /><set value='54555.0' /><set value='55646.0' /><set value='56759.0' /><set value='57894.0' /><set value='59052.0' /><set value='60233.0' /><set value='61437.0' /><set value='62666.0' /><set value='63919.0' /><set value='65198.0' /><set value='66502.0' /><set value='67832.0' /></dataset></chart>"); // --> </script> <table class='pure-table pure-table-bordered' role='grid'><tr><th scope="col">Age</th><th scope="col">Annual Salary Increasing @ 2.00%</th><th scope="col">Beginning Retirement Balance</th><th scope="col">Earnings<br/>Pre-Ret&#160;3.50%<br/>Post-Ret&#160;3.50%</th><th scope="col">Estimated Annual Savings </th><th scope="col">Retirement Income Replace <br/>75.00%</th><th scope="col">Annual Social Security Income</th><th scope="col">Annual Retirement Account Withdrawal</th><th scope="col">Ending Retirement Balance</th></tr><tr><td role="rowheader" scope="row">69</td><td>$120,000</td><td>$1,000,000</td><td>$35,000</td><td>$0</td><td>$0</td><td>$0</td><td>$0</td><td>$1,035,000</td></tr><tr><td role="rowheader" scope="row">70</td><td>0</td><td>1,035,000</td><td>36,225</td><td>0</td><td>91,800</td><td>40,392</td><td>51,408</td><td>1,019,817</td></tr><tr><td role="rowheader" scope="row">71</td><td>0</td><td>1,019,817</td><td>35,694</td><td>0</td><td>93,636</td><td>41,200</td><td>52,436</td><td>1,003,074</td></tr><tr><td role="rowheader" scope="row">72</td><td>0</td><td>1,003,074</td><td>35,108</td><td>0</td><td>95,509</td><td>42,024</td><td>53,485</td><td>984,697</td></tr><tr><td role="rowheader" scope="row">73</td><td>0</td><td>984,697</td><td>34,464</td><td>0</td><td>97,419</td><td>42,864</td><td>54,555</td><td>964,607</td></tr><tr><td role="rowheader" scope="row">74</td><td>0</td><td>964,607</td><td>33,761</td><td>0</td><td>99,367</td><td>43,722</td><td>55,646</td><td>942,723</td></tr><tr><td role="rowheader" scope="row">75</td><td>0</td><td>942,723</td><td>32,995</td><td>0</td><td>101,355</td><td>44,596</td><td>56,759</td><td>918,959</td></tr><tr><td role="rowheader" scope="row">76</td><td>0</td><td>918,959</td><td>32,164</td><td>0</td><td>103,382</td><td>45,488</td><td>57,894</td><td>893,229</td></tr><tr><td role="rowheader" scope="row">77</td><td>0</td><td>893,229</td><td>31,263</td><td>0</td><td>105,449</td><td>46,398</td><td>59,052</td><td>865,440</td></tr><tr><td role="rowheader" scope="row">78</td><td>0</td><td>865,440</td><td>30,290</td><td>0</td><td>107,558</td><td>47,326</td><td>60,233</td><td>835,498</td></tr><tr><td role="rowheader" scope="row">79</td><td>0</td><td>835,498</td><td>29,242</td><td>0</td><td>109,709</td><td>48,272</td><td>61,437</td><td>803,303</td></tr><tr><td role="rowheader" scope="row">80</td><td>0</td><td>803,303</td><td>28,116</td><td>0</td><td>111,904</td><td>49,238</td><td>62,666</td><td>768,753</td></tr><tr><td role="rowheader" scope="row">81</td><td>0</td><td>768,753</td><td>26,906</td><td>0</td><td>114,142</td><td>50,222</td><td>63,919</td><td>731,740</td></tr><tr><td role="rowheader" scope="row">82</td><td>0</td><td>731,740</td><td>25,611</td><td>0</td><td>116,425</td><td>51,227</td><td>65,198</td><td>692,153</td></tr><tr><td role="rowheader" scope="row">83</td><td>0</td><td>692,153</td><td>24,225</td><td>0</td><td>118,753</td><td>52,251</td><td>66,502</td><td>649,877</td></tr><tr><td role="rowheader" scope="row">84</td><td>0</td><td>649,877</td><td>22,746</td><td>0</td><td>121,128</td><td>53,296</td><td>67,832</td><td>604,790</td></tr></table>