Retirement Calculator
See if you're on track for retirement. Project your savings growth, factor in Social Security, and see how long your money will last in retirement.
Your Retirement Plan
Total in 401k, IRA, etc.
How much you contribute monthly
Typical: 5–8% for balanced portfolio
Your estimated expenses in retirement
Estimate: ~$1,800 average benefit
Average: ~85
Savings at Retirement
$2,288,099
At age 65
Will Your Money Last?
Yes — surplus
Portfolio sustains through life expectancy
Your plan looks sustainable
Based on your inputs, your savings are projected to last through your life expectancy.
Accumulation Phase
Portfolio growth from now until retirement at age 65.
Retirement savings growth during working years
Withdrawal Phase
How your portfolio changes each year during retirement.
Portfolio balance through retirement years
Withdrawal Schedule
| Age | Start Balance | Withdrawal | Interest | End Balance |
|---|---|---|---|---|
| 65 | $2,288,099 | $30,000 | $159,117 | $2,417,216 |
| 67 | $2,553,881 | $32,923 | $177,619 | $2,698,577 |
| 69 | $2,851,821 | $36,024 | $198,367 | $3,014,163 |
| 71 | $3,186,191 | $39,315 | $221,657 | $3,368,534 |
| 73 | $3,561,862 | $42,805 | $247,832 | $3,766,889 |
| 75 | $3,984,380 | $46,508 | $277,279 | $4,215,151 |
| 77 | $4,460,073 | $50,437 | $310,440 | $4,720,076 |
| 79 | $4,996,154 | $54,604 | $347,820 | $5,289,370 |
| 81 | $5,600,856 | $59,026 | $389,994 | $5,931,824 |
| 83 | $6,283,568 | $63,717 | $437,620 | $6,657,471 |
| 85 | $7,055,010 | $68,693 | $491,446 | $7,477,763 |
| 87 | $7,927,417 | $73,973 | $552,330 | $8,405,774 |
| 89 | $8,914,760 | $79,574 | $621,248 | $9,456,434 |
| 90 | $9,456,434 | $82,501 | $659,063 | $10,032,996 |
How These Calculations Work
Retirement Savings at Retirement
FV = Current Savings * (1+r)^n + Monthly Contribution * 12 * ((1+r)^n - 1)/r
Projects your portfolio value at retirement by compounding your current savings and ongoing contributions at your expected return rate.
Annual Withdrawal (Inflation-Adjusted)
Withdrawal = Max(Retirement Spending * (1 + inflation)^year - Social Security, 0)
Each year in retirement, spending is adjusted for inflation. Social Security income offsets the amount you need to withdraw from your portfolio.
Frequently Asked Questions
Important Disclaimer
This calculator is for educational and informational purposes only. It does not provide financial, investment, tax, or legal advice. Results are estimates based on the assumptions you enter and may differ from actual outcomes. Past performance does not guarantee future results. Consult a qualified financial professional before making investment decisions.