Interactive retirement planner

See the two sides of retirement.

Build a nest egg before retirement, then see how it may hold up when work income ends. Change an assumption and the projection updates immediately.

Your plan

Saved automatically in this browser.

1. Build your nest egg

Your age now Planned retirement age Invested savings today Monthly contribution Estimated annual return before retirement

A planning assumption, not a prediction. Contributions end at your planned retirement age.

2. Manage retirement

Plan through age

A planning horizon, not a life-expectancy prediction.

Estimated annual return in retirement Annual retirement spending rate

This sets first-year retirement spending as a percentage of your projected portfolio at retirement. The calculator shows how much of that spending must come from investments after other income.

Adjust retirement spending for inflation

Optional retirement income

Include Social Security Include extra monthly income

Your retirement picture

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Projected at retirement--

First-year spending capacity--

Projected at plan age--

Your projected portfolio

One balance line. The marked point is where regular contributions stop.

Projected investment balancePlanned retirementPortfolio reaches zero

How retirement income is modeled

First-year planned spending-

Social Security and extra income-

First-year investment draw-

What this planner includes

It compounds a starting investment balance and regular monthly contributions until retirement. In retirement, it applies the selected return, subtracts the portion of planned spending not covered by enabled income, and optionally increases planned spending with inflation. It does not model taxes, fees, market volatility, contribution limits, required distributions, health costs, or changes in income. It is an educational scenario, not investment, tax, or retirement advice.