Retirement Calculator

Plan your financial future and visualize the impact of life changes

Retirement Planning Inputs
Configure your personal information, portfolio details, and investment assumptions

In today's purchasing power

Age until which your savings need to last

Results & Analysis

Your retirement projections and detailed breakdown

Retirement Age
55.6

In 20.6 years

Required Savings
$2,218,219

To last until age 95 with inflation adjustments

Savings at Retirement
$2,230,981

Total accumulated wealth

How We Calculate Your Required Savings
Understanding the methodology behind your retirement projections

Our calculation ensures your portfolio lasts until age 95 while maintaining your desired purchasing power throughout retirement.

Key Assumptions:

  • • Inflation continues during retirement: Your income needs increase by 2.5% annually
  • • Portfolio keeps growing: Investments earn 7% annually even in retirement
  • • Life expectancy: Portfolio must last until age 95
  • • Monthly withdrawals: Income is withdrawn monthly and adjusted for inflation each month

Calculation Process:

  1. Calculate your inflation-adjusted income need at retirement
  2. Simulate each month of retirement from retirement age to age 95
  3. For each month: withdraw income first, then apply growth to remaining balance
  4. Find the minimum portfolio value needed so the balance reaches exactly $0 at age 95
  5. Work backwards to determine when your current savings + contributions will reach that amount

This approach is more sophisticated than the traditional "4% rule" because it accounts for continuing inflation during retirement and ensures your money lasts for your entire expected lifetime.

Year-by-Year Retirement Analysis
Detailed breakdown assuming retirement at age 55.6 with deposits until then, withdrawals after
AgeYearPortfolio ValuePortfolio Change
Retirement Income
If retiring today (Today's $)
Status
352025$200,000-$800
Saving
362026$245,439
+$30,000 deposits
+$15,439
+$45,439 total
$783
Saving
372027$294,164
+$30,000 deposits
+$18,724
+$48,724 total
$941
Saving
382028$346,410
+$30,000 deposits
+$22,247
+$52,247 total
$1,104
Saving
392029$402,434
+$30,000 deposits
+$26,023
+$56,023 total
$1,273
Saving
402030$462,507
+$30,000 deposits
+$30,073
+$60,073 total
$1,449
Saving
412031$526,923
+$30,000 deposits
+$34,416
+$64,416 total
$1,632
Saving
422032$595,996
+$30,000 deposits
+$39,073
+$69,073 total
$1,822
Saving
432033$670,062
+$30,000 deposits
+$44,066
+$74,066 total
$2,020
Saving
442034$749,483
+$30,000 deposits
+$49,420
+$79,420 total
$2,227
Saving
452035$834,644
+$30,000 deposits
+$55,162
+$85,162 total
$2,442
Saving
462036$925,962
+$30,000 deposits
+$61,318
+$91,318 total
$2,668
Saving
472037$1,023,882
+$30,000 deposits
+$67,919
+$97,919 total
$2,905
Saving
482038$1,128,880
+$30,000 deposits
+$74,998
+$104,998 total
$3,153
Saving
492039$1,241,468
+$30,000 deposits
+$82,588
+$112,588 total
$3,413
Saving
502040$1,362,195
+$30,000 deposits
+$90,727
+$120,727 total
$3,686
Saving
512041$1,491,650
+$30,000 deposits
+$99,455
+$129,455 total
$3,974
Saving
522042$1,630,463
+$30,000 deposits
+$108,813
+$138,813 total
$4,277
Saving
532043$1,779,310
+$30,000 deposits
+$118,848
+$148,848 total
$4,597
Saving
542044$1,938,918
+$30,000 deposits
+$129,608
+$159,608 total
$4,935
Saving
552045$2,110,064
+$30,000 deposits
+$141,146
+$171,146 total
$5,293
Saving
562046$2,135,488
-$120,994 withdrawal
+$147,814
+$25,424 total
$5,671
Retirement Year
572047$2,159,535
-$124,054 withdrawal
+$149,532
+$24,047 total
$5,654
✓ Retired
582048$2,182,025
-$127,191 withdrawal
+$151,148
+$22,490 total
$5,636
✓ Retired
592049$2,202,762
-$130,407 withdrawal
+$152,648
+$20,736 total
$5,616
✓ Retired
602050$2,221,533
-$133,705 withdrawal
+$154,019
+$18,771 total
$5,595
✓ Retired
612051$2,238,108
-$137,086 withdrawal
+$155,244
+$16,576 total
$5,572
✓ Retired
622052$2,252,240
-$140,553 withdrawal
+$156,307
+$14,132 total
$5,548
✓ Retired
632053$2,263,660
-$144,107 withdrawal
+$157,189
+$11,419 total
$5,521
✓ Retired
642054$2,272,076
-$147,751 withdrawal
+$157,873
+$8,416 total
$5,493
✓ Retired
652055$2,277,175
-$151,488 withdrawal
+$158,335
+$5,099 total
$5,462
✓ Retired
662056$2,278,619
-$155,319 withdrawal
+$158,554
+$1,443 total
$5,428
✓ Retired
672057$2,276,040
-$159,247 withdrawal
+$158,505
-$2,579 total
$5,392
✓ Retired
682058$2,269,044
-$163,274 withdrawal
+$158,162
-$6,996 total
$5,352
✓ Retired
692059$2,257,205
-$167,403 withdrawal
+$157,495
-$11,839 total
$5,309
✓ Retired
702060$2,240,062
-$171,636 withdrawal
+$156,474
-$17,143 total
$5,262
✓ Retired
712061$2,217,121
-$175,976 withdrawal
+$155,065
-$22,942 total
$5,210
✓ Retired
722062$2,187,845
-$180,427 withdrawal
+$153,233
-$29,275 total
$5,153
✓ Retired
732063$2,151,660
-$184,989 withdrawal
+$150,938
-$36,185 total
$5,090
✓ Retired
742064$2,107,944
-$189,667 withdrawal
+$148,140
-$43,716 total
$5,021
✓ Retired
752065$2,056,029
-$194,464 withdrawal
+$144,793
-$51,915 total
$4,944
✓ Retired
762066$1,995,195
-$199,381 withdrawal
+$140,848
-$60,834 total
$4,858
✓ Retired
772067$1,924,666
-$204,423 withdrawal
+$136,253
-$70,529 total
$4,762
✓ Retired
782068$1,843,607
-$209,593 withdrawal
+$130,953
-$81,059 total
$4,654
✓ Retired
792069$1,751,121
-$214,893 withdrawal
+$124,886
-$92,487 total
$4,531
✓ Retired
802070$1,646,239
-$220,328 withdrawal
+$117,988
-$104,882 total
$4,390
✓ Retired
812071$1,527,922
-$225,899 withdrawal
+$110,189
-$118,317 total
$4,229
✓ Retired
822072$1,395,050
-$231,612 withdrawal
+$101,413
-$132,872 total
$4,041
✓ Retired
832073$1,246,420
-$237,469 withdrawal
+$91,579
-$148,630 total
$3,821
✓ Retired
842074$1,080,736
-$243,474 withdrawal
+$80,600
-$165,684 total
$3,560
✓ Retired
852075$896,606
-$249,631 withdrawal
+$68,382
-$184,130 total
$3,245
✓ Retired
862076$692,534
-$255,944 withdrawal
+$54,825
-$204,072 total
$2,858
✓ Retired
872077$466,909
-$262,417 withdrawal
+$39,820
-$225,625 total
$2,373
✓ Retired
882078$218,002
-$269,053 withdrawal
+$23,250
-$248,907 total
$1,746
✓ Retired
892079$0
-$275,857 withdrawal
+$5,553
-$218,002 total
$908
Depleted
902080$0
-$282,833 withdrawal
+$0
+$0 total
$0
Depleted
912081$0
-$289,985 withdrawal
+$0
+$0 total
$0
Depleted
922082$0
-$297,318 withdrawal
+$0
+$0 total
$0
Depleted
932083$0
-$304,837 withdrawal
+$0
+$0 total
$0
Depleted
942084$0
-$312,546 withdrawal
+$0
+$0 total
$0
Depleted
952085$0
-$320,450 withdrawal
+$0
+$0 total
$0
Depleted
962086$0
-$328,553 withdrawal
+$0
+$0 total
$0
Depleted
972087$0
-$336,862 withdrawal
+$0
+$0 total
$0
Depleted
982088$0
-$345,381 withdrawal
+$0
+$0 total
$0
Depleted
992089$0
-$354,115 withdrawal
+$0
+$0 total
$0
Depleted
1002090$0
-$363,070 withdrawal
+$0
+$0 total
$0
Depleted

Portfolio Value: Your total retirement savings at the beginning of each year

Portfolio Change: Detailed breakdown showing deposits/withdrawals, investment gains, and total change

Retirement Income: Maximum sustainable monthly income if retiring at that age, accounting for portfolio growth and inflation until age 95, shown in today's purchasing power

Saving: Years before retirement when you're contributing to your portfolio

Retirement Year: The year you stop contributing and start withdrawing

Retired: Years after retirement when you're withdrawing your desired income

Savings Projection Over Time
Your projected savings growth to retirement