Retirement Calculator
In brief
Test how savings, contributions, retirement spending, other income, inflation, and assumed returns interact. Results are deterministic illustrations—not forecasts—and use only the assumptions you enter.
- Published
- Last reviewed
Your retirement estimate
Projected savings at retirement
$0
Estimated amount needed
$0
First-year retirement spending gap × 25.
Additional monthly saving needed
$0
Beyond the monthly contribution entered.
Estimated first-month portfolio withdrawal
$0
Projected savings versus target
Portfolio lasts through
—
Assuming the entered spending gap rises with inflation and returns arrive smoothly.
First-year spending gap at retirement
$0
How the estimate works
- • Contributions are added monthly at month-end and compound at the entered pre-retirement rate.
- • Today’s spending and other income are increased by the entered inflation rate until retirement.
- • The funding target equals first-year retirement expenses minus entered guaranteed income, multiplied by 25—the inverse of a 4% initial withdrawal rate.
- • The 4% rule is a historical rule of thumb associated with a roughly 30-year retirement, not a guarantee. The planning-age longevity result remains a separate deterministic calculation.
- • No taxes, fees, account rules, market volatility, contribution limits, benefit changes, or sequence-of-returns risk are modeled.
Use this as a scenario, not a prediction
Real returns do not arrive smoothly, inflation varies, spending changes, and taxes can materially affect withdrawals. Try several conservative and optimistic assumptions instead of relying on one result.