Retirement calculators and simulators are like the fortune tellers of the financial world. They flash colorful graphs, project neat lines into the future, and reassure users that the nest egg will grow into something truly golden. But the truth is, many of these tools are quietly guilty of inflating retirement expectations. They lean on sunny assumptions, rosy market returns, and often ignore messy real-life scenarios. That’s why some simulators promise comfort when the reality may be far less generous.
