An example nurse. Sutter Bay RN, 12 years of shifts: inputs designed only for this illustration, with projections computed by the same engine members use. Drag anything.
Your retirement, as monthly income.
Your invested savings drive this picture. Drag the curve to change when you go, and watch what it does to the income waiting for you.
The curve is your invested savings only, shown in future (nominal) dollars; the figures to the right are in today's dollars. Cash never compounds, so it is not drawn as a curve.
The 403(b) her pay builds in, with what it is doing in plain words below.
Her invested savings reach about $309K by then (in today's dollars). Drawn at 3.5% a year, that is $902/mo. The withdrawal rate is age-adjusted for her retirement horizon.
The savings above build in her 403(b), the tax-advantaged account she controls.
If your employer matches your retirement contributions, getting the full match comes first, because it's money your employer adds on top of yours.
Then build your emergency savings to about 3–6 months of essentials in a high-yield account.
After the match and the reserve, clear high-interest debt, then fill your tax-advantaged retirement space before any taxable investing. Which account fits is for you and an advisor.
Educational and directional only, not financial advice. A licensed advisor can confirm the right order for your situation.
About $4,813 of this year's pay is overtime.
Educational and directional only, not financial advice. Work with a financial advisor for the specifics of your situation. These are early (MVP) estimates. Illustrative projection only. Savings assume a 7% average annual return; returns are not guaranteed and your outcome will vary with funds, fees, and markets. Savings income uses a 3.5% annual withdrawal assumption, which is under methodology review.