Retirement Spending Planner

Your assumptions

Saved automatically in this browser.

Start where you are

Your age now Plan through age

A planning horizon, not a life-expectancy prediction.

Retirement nest egg Monthly contribution

Optional. It is set to $0 by default and continues only if you enter an amount.

Manage retirement

Estimated annual return in retirement

How annual returns are calculated

The percentage you enter is treated as an effective annual return, then converted to an equivalent monthly rate for this projection.

Annual retirement investment spending rate

This sets the first-year amount supported by your retirement nest egg. Social Security can reduce the portfolio draw; extra income adds to spending capacity.

Adjust retirement spending for inflation

Optional retirement income

Include Social Security Include extra monthly income

Mortgage payoff

Include a mortgage payment (P&I)

Your retirement picture

-

Retirement nest egg today--

First-year spending capacity--

Projected at plan age--

Your projected portfolio

One balance line, beginning with your retirement nest egg today.

Projected investment balancePortfolio reaches zero

How spending is modeled

First-year investment spending-

First-year mortgage P&I-

First-year Social Security-

First-year portfolio draw-

What this planner includes

It begins with your retirement nest egg today. Each month it applies the selected return, any optional monthly contribution, and the portfolio draw needed for your selected spending rate. Social Security reduces that draw after benefits begin; a mortgage P&I payment increases it until the selected payoff age; extra monthly income adds to spending capacity. It does not model taxes, fees, market volatility, required distributions, healthcare costs, property taxes, insurance, escrow, or changes in income. It is an educational scenario for entertainment purposes only, not investment, tax, or retirement advice.