Retirement Calculator
Will your money last as long as you do?
Project your nest egg, stress-test the 4% rule, factor in Social Security and inflation, and get an honest readiness score — with a clear next step. 100% free.
You today
Your current picture and timeline.
Market & Social Security
Tune to be conservative — small changes matter over decades.
Balance over your lifetime
Green = accumulating. Amber = drawing down. Drop-off marks the day work becomes optional.
Year-by-year snapshot
| Age | Phase | Contributed | Withdrawn | Balance |
|---|---|---|---|---|
| 35 | accumulation | $0 | — | $75,000 |
| 39 | accumulation | $38,400 | — | $143,321 |
| 43 | accumulation | $76,800 | — | $233,646 |
| 47 | accumulation | $115,200 | — | $353,060 |
| 51 | accumulation | $153,600 | — | $510,932 |
| 55 | accumulation | $192,000 | — | $719,647 |
| 59 | accumulation | $230,400 | — | $995,579 |
| 63 | accumulation | $268,800 | — | $1,360,377 |
| 67 | retirement | $288,000 | $208,981 | $1,533,007 |
| 71 | retirement | $288,000 | $659,217 | $1,378,966 |
| 75 | retirement | $288,000 | $1,156,193 | $1,141,440 |
| 79 | retirement | $288,000 | $1,704,761 | $797,216 |
| 83 | retirement | $288,000 | $2,310,278 | $317,539 |
| 87 | retirement | $288,000 | $2,978,656 | $0 |
| 90 | retirement | $288,000 | $3,525,092 | $0 |
Projected nest egg at 65
$1,584,714
Target: $2,580,008 at a 4% withdrawal rate.
Readiness
61 / 100
Status
Needs work
Surplus / gap
-$995,294
Money lasts
21 yrs in ret.
Your plan funds about 61% of your goal.
At current contributions, you'd run out of money around age 86.
Three levers: contribute more, work longer, or trim desired monthly income. Pull any two and the plan tightens fast.
Monthly income in retirement (today $)
$4,418
Portfolio at 4% + Social Security of $1,900/mo.
Shortfall vs. desired: $1,582/mo.
Premium
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Unlock unlimited saved scenarios, side-by-side retire-at-60 vs. retire-at-65 comparisons, a printable PDF retirement roadmap, and annual check-in reminders.
Unlock PremiumThe three retirement levers
- Contribute more. Every extra $100/mo over 30 years adds roughly six figures at 7%.
- Work longer. Pushing retirement 2–3 years often closes a 20–30% gap.
- Spend less. Lower desired income reduces the target nest egg directly.
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Frequently asked questions
How much do I really need to retire?
A common rule of thumb is 25× your desired annual spending (the 4% rule). If you want $60,000/year from your portfolio, you need roughly $1.5M invested. This calculator adjusts that target for inflation, Social Security, and your specific withdrawal rate.
Is the 4% withdrawal rate still safe?
The original Trinity study found a 4% withdrawal rate had a ~95% success rate over 30 years using a 50/50 stock/bond portfolio. More conservative planners now use 3.5%. Use a higher rate if you have flexibility to cut spending in down markets, lower if you don't.
Should I include Social Security in my plan?
Yes — but be conservative. The Social Security Administration projects benefits may be reduced ~20% by the mid-2030s without legislative action. Use the calculator with your actual estimated benefit, and test what happens if you discount it 20–25%.
What return should I assume in retirement?
Most planners shift to a more conservative allocation in retirement, projecting 4–6% nominal returns instead of the 7–10% used in accumulation. This calculator uses separate pre- and post-retirement return inputs so you can model that glide path.
Is the Retirement Calculator free?
Yes — the projection, readiness score, year-by-year balance chart, and coaching are all free. Premium unlocks saved scenarios, side-by-side comparisons, a printable retirement roadmap PDF, and annual check-in reminders.
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