Most tools show you a balance. Boscelli projects it forward — so you know if you're on track for retirement, and exactly what to change if you're not.
Your 401(k) balance tells you where you are today. It doesn't tell you whether it'll be enough when you actually retire. Boscelli takes the accounts you're growing for retirement, projects them forward with compound growth to your target date, and compares the result to your number — so “am I on track for retirement?” finally has a real answer, not a shrug.
“A projection is a windshield. A balance is the rear-view mirror.”
A target amount and the date you want to reach it. It's a starting point you can edit anytime — the number is yours.
Your 401(k), IRA, brokerage — add the balances, monthly contributions, and expected return. Manual entry, no bank login.
On track, at risk, or off track — plus the exact monthly contribution (or extra years) that closes any gap.
Every figure comes from one transparent projection engine — the same math everywhere, no black box. If your retirement goal is falling short, Boscelli doesn't just flag it: it shows the gap and the specific change that closes it, so you can act while there's still time. And because you plan around the retirement you can picture, the reason you're saving stays in view.
Boscelli is a planning and projection tool, not a financial, investment, or tax adviser. It shows you projections and what-ifs — never an instruction to move money. For decisions about your specific situation, talk to a qualified professional.
That's the exact question Boscelli is built to answer. It projects your linked retirement accounts forward to your target date using compound growth, then compares the result to your goal — and tells you whether you're on track, at risk, or off track. No guesswork, just a clear answer that updates as your balances change.
The number is yours to set — it depends on the life you want, not a one-size-fits-all rule. What Boscelli does is show you whether your current plan actually reaches the number you choose, and if not, exactly how much more per month (or how many more years) it would take to get there.
Adjust your target date and watch the projection move. Boscelli's what-if tool lets you drag the levers — target date, contribution, expected return — and see instantly how each one shifts whether and when you'll reach your retirement goal, without saving anything until you're ready.
Yes. Boscelli projects each account forward with compound growth at the expected annual return you set — so a 401(k) or IRA growing over decades is modeled, not just added up. The full method, including how it handles a 0% return, is on our Methodology page.
No — and that's deliberate. Boscelli is a planning and projection tool, not a financial adviser. It shows you where your retirement goal is heading and what would change the outcome; it never tells you to buy a product or move money. The decisions stay yours.
Set your goal, link your accounts, and get a straight answer — free while in beta, no card required.
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