Sundown

Sundown is a retirement planner tool. You provide some basic information about your situation (or use hypothetical values for changes you might be thinking about making) and Sundown will run projections about how likely those figures are to result in a successful retirement. "Successful" in this context means that you won't run out of money between retirement and your given life expectancy.
Note #1: All information sent to Sundown is kept only for the life of the projection - once you leave, all information is discarded.
Note #2: Each form entry has a tooltip associated with it. Hover your mouse over the title to see it. If you are on a phone and therefore don't have a mouse.. then I don't know what to tell you. This site is really not mobile-friendly.
Retiree name:
Retiree DOB:
Spouse DOB:
Retire at (age): Average age of American retiree: 65
(Source: CRR at Boston College, 2021)
Life expectancy (age): Average American lifespan: 77.5
(Source: CDC, 2022)
Savings today (annual):
Assumed growth: Average 20-year return on balanced mix: 7.800%
(Source: Fidelity, 2024)
Assumed inflation: 5-year average: 4.19%
(Source: US Bureau of Labor Statistics, 2025)
SSA Income Self (annual):
SSA Income Spouse (annual):
Retirement Assets Today:
Desired Income (monthly):
SSA Self Retire At (age): Normal Retirement Age: 67
(Source: Social Security Administration, 2023)
SSA Spouse Retire At (age): Normal Retirement Age: 67
(Source: Social Security Administration, 2023)
SSA Scaling Factor:
Vehicle Allocation ($):
Vehicle Recurrence (years):
Vehicle replacement range start (age):
Vehicle replacement range stop (age):
Vacation Allocation ($):
Vacation Recurrence (years):
Vacation range start (age):
Vacation range stop (age):
Cobra Cost (annual):
Inheritance Amount:
Inheritance Age:
 
====== Projection values ======
Suggested inflation: -1.27% to 9.07%
(Source: US Bureau of Labor Statistics, 2025)		 Suggested return: 3.43% to 13.84%
(Source: Fidelity, 2024)
Inflation lower bound
Inflation upper bound
Return lower bound
Return upper bound