Planning Studio
Retirement Planning Calculator
Project your savings to retirement and see whether they, plus any other income you enter, cover your spending goal under a simple illustrative withdrawal-rate heuristic.
Your plan
What you have saved for retirement today.
Added at the end of each month between now and retirement.
In today's dollars.
E.g. your own Social Security estimate, a pension, or rental income. Enter your own estimate — this tool never calculates it for you.
A hypothetical average annual rate of return before retirement.
Does your plan cover your spending goal?
Uses an illustrative 4% starting withdrawal-rate assumption to turn projected savings into an annual income figure. Real sustainable withdrawal rates depend on markets, taxes, and sequence of returns — see the Monte Carlo Explorer and Retirement Income calculator for more nuanced modeling.
- Projected savings at retirement
- $1,506,870
- Sustainable income from savings
- $60,275/yr
- Total projected income (incl. other income)
- $84,275/yr
Alternative scenarios
Each row is computed by the exact same engine as your current plan above, with one input changed.
| Scenario | Projected savings | Annual income | Surplus / shortfall |
|---|---|---|---|
| Current plan | $1,506,870 | $84,275/yr | +$14,275/yr |
| Retire 3 years later | $1,889,803 | $99,592/yr | +$29,592/yr |
| Save $200/month more | $1,668,884 | $90,755/yr | +$20,755/yr |
Illustrative only — not a guarantee
This tool produces an illustrative, hypothetical projection based entirely on the numbers you enter. It is not a guarantee or prediction of future results, and it is not personalized investment, tax, or legal advice. Every assumption shown here (contribution amount, assumed rate of return, inflation, fees, and time horizon) is fully editable and has not been validated against your actual financial circumstances, goals, or risk tolerance.
Dollar figures are nominal (not adjusted for inflation) unless a figure is explicitly labeled real / inflation-adjusted. Actual investment results will vary and may be significantly lower or higher than any figure shown here.
Results from this tool may vary with each use and over time: changing any input, or running this same tool again later as your numbers or the markets change, can produce a different outcome than the one shown here.