Horizon bergstrom / joint

Retirement scenario modeling

When do the numbers say you can stop?

Horizon runs your real balances, savings rate, and spending through 6,000 market paths, then shows the full range you land in instead of one flattering line.

Runs funded past 90
87%

Downshift at 55, the recommended plan for this household.

Bergstrom household / joint plan synced 4 min ago

Projected net worth, age 41 to 90

The outer band holds the middle 80% of outcomes, the inner band the middle 50%. Balances shown in today's dollars.

runs 6,000
seed 20260715
last run 21 Jul 2026
Retire at 60 Money lasts past 90 in 87% of runs median ends $2.40M / worst decile dry at 89 7.32M 90th 2.40M median 0 10th 1.0M2.0M3.0M4.0M5.0M6.0M7.0M45505560657075808590 0 age USD, millions
median path 25th to 75th 10th to 90th see percentile table

Percentile detail

net worth by age / real usd
Age10th25th Median75th90th
41 today$468k$468k$468k$468k$468k
45$618k$671k$736k$804k$874k
50$902k$1.01M$1.14M$1.30M$1.46M
55$1.24M$1.42M$1.64M$1.91M$2.19M
60 retire$1.64M$1.91M$2.27M$2.69M$3.17M
65$1.44M$1.81M$2.31M$2.95M$3.67M
70$1.20M$1.68M$2.34M$3.19M$4.18M
75$964k$1.55M$2.37M$3.49M$4.79M
80$694k$1.39M$2.38M$3.81M$5.52M
85$349k$1.19M$2.41M$4.16M$6.47M
90 horizonDepleted$932k$2.40M$4.57M$7.32M

Three ways to get there

Each scenario reruns all 6,000 paths with one thing changed. Horizon recommends the plan that buys the most time back for the least drop in funded runs.

01 / full speed to 60

Full speed to 60

Keep both incomes and the current $44,000 a year of savings untouched until 60.

Retire
60
Spend
6,400/mo
Funded
92%
runs funded to 9092%
02 / downshift at 55Recommended

Downshift at 55

Kirsten moves to three days a week at 55. Both stop fully at 60, five years of pressure traded for five points.

Retire
60
Spend
6,400/mo
Funded
87%
runs funded to 9087%
03 / coast from 50

Coast from 50

Stop new contributions at 50 and let the balance compound alone. Retirement slips two years.

Retire
62
Spend
5,900/mo
Funded
71%
runs funded to 9071%
real return
4.1%
volatility
8.2%
inflation
2.6%
spend
$6,400/mo
equity / bond
72 / 28
runs
6,000
updated
Jul 2026
Households modeling
18,400

joint and single plans with at least one funded account connected.

Assets under projection
$3.9B

balances read from linked accounts, never moved or managed by Horizon.

Median date change
4.2 yrs

how far a planned retirement date moves after the first honest run.