Hey folks, I'm a medical trainee in my late 20s. I am currently a resident, with an income around 65k annually. I've maxed my roth IRA for 2020 and 2021, and have saved away about 15k extra between savings and Robinhood account. I've been screwing around with retirement calculators online, and I'm flabbergasted at the estimated cost of retirement and how in almost every scenario I fall short of what I need to retire.

I currently have 31k saved in my roth IRA. I am planning a career as a cardiologist, and estimating my starting income would be around 400k (below national average in cardiology, but I want to make my estimates conservative). I think I'd be roughly around 35 before I'm fully settled in my career. Even if I estimate needing 50% of my pre-retirement income, with a retirement age of 60, saving 25% (100k annually) of my income, at a 5-10% ROI the calculators have me falling short of my needs. How can that be? It blows my mind.

If I change the calculator to say I need 85% of my pre-retirement income at a conservative 5% ROI, even retiring at the age of 67 is unfeasible based on the results. I'm so confused at how this is possible? I've tried multiple calculators, and tinkered with the numbers to be as generous as possible. I'm frugal, have no education debt thanks to scholarships, and am saving more than most of my colleagues.

Are these retirement calculators just inaccurate for high income individuals? Do you guys have any advice on what I'm doing wrong? I do eventually plan on meeting a retirement advisor (but was hoping to wait a few more years until I have a more stable career trajectory), but now I'm anxious I should plan sooner.

Edit: As many of you suggested, I did decrease my annual spending after retirement to about 25% of pre-retirement income. My aim would be to have all debts paid off before I retire. I anticipate having children in my mid-30s and hope to pay for their educations. I plan to be married, likely to someone with a reasonable income (anticipate at least 60k, but likely closer to mine if she is a physician). I am a relatively low spending individual. I live comfortably on my current 65k per year and have no major wants outside of potentially 1-2 more vacations per year. I think my major expenses moving forward would be related to having children and needing more space for them, otherwise I'm relatively content. I think factoring spousal income and also reducing my annual post-retirement spending I should be relatively comfortable. I do think that these calculators overestimate retirement needs for high income individuals after reading your comments.