Retirement Calculator
Retirement planning ties savings rate, time invested, return and inflation assumptions, and post-work spending into one picture. This calculator turns those inputs into portfolio targets, withdrawal needs, and a readiness view you can stress-test instead of guessing a single magic number.
Quick answer
Enter age, retirement age, contributions, return and inflation assumptions, and retirement spending. You will see portfolio need, projected balance, readiness, and optional Monte Carlo success — so you can see whether the plan is robust, not just “on track” in a single average return.
For a related estimate, see Early Retirement Calculator.
Explore further: Fire Calculator · How Long Will My Money Last
How to use this calculator
- Anchor ages and horizon: Current age, retirement age, and how long the portfolio must fund spending drive every output.
- Separate real from nominal: Inflation pairs with spending growth; real return pairs with long-run sustainability.
- Use Advanced mode when taxes differ by account: Roth, traditional, and taxable buckets change spendable cash even when totals look equal.
What most affects the outcome
Early on, savings rate and years invested dominate. Near retirement, withdrawal timing, sequence risk, and spending realism matter more. Tax drag and account mix change spendable dollars even when headline balances look fine.
Explore further: How Much Do I Need To Retire · Retirement At 40
Simple vs Advanced
Simple mode is for directional answers. Advanced mode adds account-level fidelity when you are close to a real contribution, conversion, or drawdown decision.
Real-world example
- Example: mid-career catch-up: A 44-year-old targeting 65 with moderate contributions might see readiness below 100% until savings rate or retirement age adjusts — the tool shows which lever moves the score fastest for your inputs (illustrative).
Explore further: Retirement At 50 · Retirement At 60
How to use the results
If readiness is short, raise savings, delay retirement slightly, or reduce modeled spending, then re-run. If the plan only works at optimistic returns, treat that as a signal to add cushion or simplify goals.
FAQ
Is readiness a guarantee?
No. It is a modeled score from your inputs. Use it to prioritize savings, timeline, and spending tradeoffs.
Should I trust one Monte Carlo run?
Use it as a stress lens. If success is high but fragile to small return cuts, widen your cushion.
Does this replace personalized advice?
No — especially for tax, healthcare, and estate complexity.