Retirement Calculator

Plan your financial future. Calculate how much you need to save, when you can retire, and if your savings will last.

Current Profile

Current Savings

Total Retirement Savings

401(k) / 403(b) / TSP

IRA (Traditional + Roth)

Taxable Brokerage

HSA Balance

Pension / Annuity Value (PV)

Present value of future pension payments

Annual Contributions

401(k) Contribution

Employer Match

IRA Contribution

Taxable Account

Annual Contribution Increase (%)

Retirement Spending

Desired Annual Spending (Today's $)

Income Replacement Ratio

% of pre-retirement income

Est. Social Security (Annual)

Spouse Social Security (Annual)

Investment Assumptions

Pre-Retirement Return (%)

Post-Retirement Return (%)

Inflation Rate (%)

Effective Tax Rate in Retirement (%)

Run Monte Carlo Simulation (100 scenarios)

Projected Nest Egg

$0.00

Years in Retirement

Shortfall / Surplus

$0.00

Success Probability

—

Monthly Income (Age 65)

$0.00

Required Savings Rate

Safe Withdrawal Rate

Inflation-Adjusted Spending

$0.00

Wealth Projection

Nominal Inflation-Adjusted

Retirement Cash Flow

Age	Year	Portfolio Start	Contributions	Returns	Withdrawals	Portfolio End	Spending (Real)

Income Sources in Retirement

Monte Carlo Results

Action Plan

Disclaimer: These calculators provide approximate estimates for educational and planning purposes only. They do not constitute financial, tax, or investment advice. Rates, tax brackets, allowances, and assumptions vary by jurisdiction and change over time. Always verify figures with a qualified professional or official source before making any financial decision.