Before using Retirement results, open Planning → Goals, select the Retirement goal, and check household timing, accounts, spending, and income. Missing or incorrect source data can affect several results at once.

Current retirement assets comes from those assignments; it is not a free-entry amount in the calculator. An excluded account's balance and regular savings don't fund Retirement even if an assignment remains. Check assignments before adding another account to solve a missing-balance problem.

A Retirement goal result can change when returns, timing, spending, funding, or another input changes. Compare the before-and-after values on the goal's Plan tab, identifying the exact result: First-year spending supported, Assets today (Fully funded), Monthly contributions (Target), or Portfolio at retirement.

A lower return can raise the funding required for unchanged spending. Check units, dollar basis, dates, withdrawal order, and assignments before comparing results. Manual Retirement spending, Plan horizon, Fully funded, and monthly Target values stay separate from their Cash flow, life-expectancy, or calculator sources until restored with the circular-arrow icon.

If reducing a return still raises supported spending in an otherwise unchanged comparison, contact Kerdora Support with before-and-after inputs and exact result labels. Don't assume a fixed withdrawal-rate formula explains it.

On the Retirement goal's Plan → Adjust spending, costs already included in today's total belong under Current spending that ends; extra costs belong under New spending. Putting an existing cost in New spending can count it twice.

For Current spending that ends, check Amount, frequency, Ends, and Yearly increase; those rows start today. For New spending, check Amount (today's $), frequency, Starts, Ends, and Increase after start. Enter new costs in today's dollars, since Kerdora adds inflation until they start, then applies the row's increase.

Inspect the affected year in Projection → Spending. Check the intended start and end dates before changing another input to offset an unexpected cost.

The Retirement goal excludes a separate Investment Income entry when its linked source account is assigned to that goal and isn't excluded from the plan. Its assumed portfolio return already represents that income, so counting the entry separately would duplicate it.

Open Profile → Cash flow → Income, edit the Investment Income record, and check From account. Then inspect that account's retirement assignment and exclusion status.

The link, rather than the income's name, controls this treatment. Correct an inaccurate link or assignment; don't add a duplicate income record to force an expected total.

On the Retirement goal, open Projection → Portfolio, select Planned, and select the table icon to inspect each year from today through Plan horizon. There are no remaining pre-retirement saving years.

Confirm assigned assets, income, spending, and the horizon first. Once the goal treats the household as retired, regular account savings and employer match no longer add to its balance, even if one spouse still works.

Model continuing deposits through dated Additional contributions: open Plan and select Add or Edit beside Additional contributions. Incoming Funding sequence deposits can also count; avoid duplicating them.

A balance reaching zero before the end identifies a funding shortfall under those assumptions.

Compare Sustainable to see the spending pattern current funding supports through the horizon. A Sustainable result that lasts longer does not mean the entered Planned spending is funded; it uses a different spending level.

The savings result may say Drawdown phase, and the monthly contribution target is not shown as a pre-retirement solution. Use spending, income, timing, legacy, and return comparisons appropriate to the household. The result describes the entered assumptions, not a promised date when actual money will run out.

If the saved Retirement goal still gives an unexplained result after you check the inputs, contact Kerdora Support with a reproducible comparison. Do not enter an offsetting income or expense simply to make the output match an expected number.

Record the client and goal name, exact result label, displayed units and dollar basis, and the before-and-after assumptions. Include the relevant account assignments, spending dates, or contribution dates.

For a What If comparison, record inputs and results before leaving that tab, which clears the scenario. Select Run plan after changing the inputs and include any displayed error or adjustment note; a prior result may remain visible after an edit or failed run.

For a whole-page loading failure or Goal not found, follow Why Does My Goals Tab Look Empty? A zero or unexpected result needs a calculation check, while a page that cannot load needs a different investigation. Do not send account credentials.