Your Retirement Number Calculator + Playbook

This is for the person who has looked at a retirement number, felt their stomach drop, and thought, forget it, I'm working forever. Maybe you keep telling yourself you'll start when you have more time, more money, or when the election is over. Nobody taught you how this math works, so it's not your fault. But the waiting is costing you. Starting at 35 might take about $1,680 a month to reach $2.5 million. Wait until 40 and that jumps past $2,600. Your Retirement Number Calculator + Playbook turns that math into seven fill-in sections. You'll start with what you spend each month. Then you'll apply the inflation multipliers to get your real number in future dollars. You'll work out why that number looks ridiculous and why it is still reachable. Then you'll see saving versus investing side by side. You'll find the monthly contribution that fits your timeline, test what waiting five years does, and finish with a one-page plan you can act on. Every section has usage notes and a worked example, so you can see the numbers filled in before you enter your own. I'm Leandra Peters, and I teach people how to invest. My work has been featured in Forbes and the Financial Times. The formula in this template is the same one I walk through on my Reels. I use it to help friends and followers go from "that's impossible" to "okay, I have a plan." I made this so you can do that work yourself, with real numbers and without the guesswork. It's an educational tool, not personalized financial advice. Your returns will vary, and the template shows you how to test more conservative assumptions as well.