Originally Posted by RichardW
... I need to be sure. ...
Sadly, there is no "sure" for any of us. The best we can hope for is a feeling that success is a high probability and, then, only qualitatively.
Lots of people here are good at crunching and commenting on retirement $$. You're seeing that. One thing, though, that seems to be routine is ignoring or arm-waving about inflation.
25 years looks like a reasonable time horizon for you, so let's see what then-year dollars you will need to have the same buying power as today's $61,600.
At 2%, the Feds current target rate, in year 25 you will need to be spending about $102K to maintain.
At 3.11%, our country's long-term average IIRC, about $136K (more than double).
At 4.2%, approximately the US average over the last 40 years, about $195K. (!)
So what to do? DW and I own serious six figures in TIPS. That's one approach and, given that we are 73YO it will probably be adequate. With a 25 year horizon I'm not sure what we would do.
Remember, too, that no retirement analyzer or model can predict the future. All FireCalc is telling you is that if you had retired 25 years ago you'd be in pretty good shape today. Will the next 25 be like the last 25? Let me go get my Magic 8 Ball.