Disclaimer & Assumptions — On 2 Retirement
On 2 Retirement is a free educational calculator. Savings and contributions are assumed to grow at a flat average of 5% per year, and projected retirement income is estimated as 4% of the projected balance — a common rule-of-thumb starting point, not a recommendation and not a “safe” rate for every situation. The model does not account for inflation, taxes, fees, market volatility, sequence-of-returns risk, Social Security, pensions, or other income sources, so real outcomes will differ. Results are hypothetical estimates, not financial, investment, or tax advice, and are not a guarantee of future income or performance.
On 2 Retirement is an independent educational tool. It is not affiliated with OnTrajectory, Aon Retirement Plan Resources, OPM Retirement Services Online, any employer retirement plan or benefits portal, or any government agency.