Plan Participant Tool
Retirement readiness & nest egg score
Evaluate your current retirement trajectory, project your ultimate nest egg through compound growth, and see whether you're on track or facing a savings gap against an 80% income replacement goal.
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Existing savings & contributions
Critical gap
Projected nest egg at retirement
$1,303,486
Target nest egg needed
$3,565,865
Savings gap / surplus
-$2,262,379
Accumulation curve
Your projected savings path versus the target trajectory needed to hit your 80% income replacement goal.
- Your projected savings
- Target trajectory
Close the gap
You have a savings gap. See what happens if you increase your personal contribution rate by an additional 1% or 2%. Adjust the slider to watch your readiness score improve in real time.
New projected nest egg
$1,303,486
New readiness score
37
Save your current configuration and results to your personal history table below.
How to compare strategies
- 1.Set your inputs to the first configuration you want to evaluate.
- 2.Click Save to log that strategie to the history table below.
- 3.Adjust one input at a time (for example, bump your contribution rate or headcount), then save again.
- 4.Repeat for each variation. Every saved row appears side-by-side so you can compare results at a glance.
Your plan strategy history
A running log of the strategies you've saved. Compare readiness scores and projected nest eggs across different contribution scenarios.
No saved strategies yet. Adjust the inputs and save a plan to start tracking your progress.
This calculator is provided strictly for educational purposes and is not investment advice or a recommendation from an advisor. Results are estimates based on the inputs you provide and assume constant returns, wage growth and contribution rates. Actual outcomes depend on market performance, taxes, fees, life events and benefit rules. Speak with a Cognis advisor for guidance tailored to your situation.