Each category counts as essential or discretionary. Click a chip to flip it, then trim each bucket with the sliders. Defaults are a guess. Fix whatever feels wrong.
✦Analyst commentary
Your retirement target is set by how much you expect to spend, which is currently based on $12,248/mo. If you trim your spending to reflect a leaner lifestyle, you lower the target by $561,114, moving you from 14% to 17% of the way. Remember, this adjustment lowers the bar by assuming you spend less later; it doesn't change what's already invested, and a real gap of $3,155,649 remains.
Your retirement target is set by how much you expect to spend, which is currently based on $12,248/mo. If you trim your spending to reflect a leaner lifestyle, you lower the target by $561,114, moving you from 14% to 17% of the way. Remember, this adjustment lowers the bar by assuming you spend less later; it doesn't change what's already invested, and a real gap of $3,155,649 remains.