Retirement inputs
Use one assumption set at a time
Deterministic planning estimate only. It does not model taxes, fees, market volatility, healthcare, RMDs, or plan-specific limits.
Retirement planning
Retirement Calculator
Project retirement savings, employer match, inflation-adjusted spending, pension, Social Security, and the income gap.
Savings projectionIncome gapDeterministic scenario
Scenario planning
Saved scenarios
Save different assumptions locally and compare their projected outcomes.
No saved scenarios yet. Save the current assumptions to compare them later.
Retirement projection
Balance at retirement
$1,237,324.71
First-year guaranteed income
$24,000.00
First-year spending gap
$36,000.00
Projected depletion
Not depleted by age 100
Balance and retirement cash flow
| Age | Balance | First-year guaranteed income | Spending |
|---|---|---|---|
| Age 40 | $134,660 | $0 | $0 |
| Age 45 | $247,954 | $0 | $0 |
| Age 50 | $399,567 | $0 | $0 |
| Age 55 | $602,459 | $0 | $0 |
| Age 60 | $873,975 | $0 | $0 |
| Age 65 | $1,237,325 | $0 | $0 |
| Age 70 | $1,295,071 | $27,012 | $67,531 |
| Age 75 | $1,331,828 | $31,315 | $78,286 |
| Age 80 | $1,337,715 | $36,302 | $90,755 |
| Age 85 | $1,299,857 | $42,084 | $105,210 |
| Age 90 | $1,201,606 | $48,787 | $121,968 |
| Age 95 | $1,021,566 | $56,558 | $141,394 |
| Age 100 | $732,380 | $65,566 | $163,914 |
See the income gap
Connect accumulation to spending
The projection first grows savings with contributions and matching, then carries the balance into a retirement phase where income and inflation-adjusted spending are shown year by year.
Retirement model assumptions
Salary and contributions stay flat in nominal terms. Social Security and pension grow with the inflation assumption; spending also grows with inflation. Returns are applied once per year.
This is not a guarantee of retirement income or a fiduciary recommendation. Use professional planning for taxes, healthcare, benefits, and investment decisions.
Retirement questions
Does this use Monte Carlo simulation?
No. The first version is a deterministic scenario so every assumption and year remains visible.
Does it include taxes and healthcare?
No. Those are important but highly personal and are disclosed as limitations rather than guessed.
What does depletion age mean?
It is the first modeled age at which the account balance reaches zero under the selected deterministic assumptions.
Need a change for Retirement Calculator?
About this calculator
Method, formulas, and limits.What this does
The Retirement Calculator converts the inputs you provide into a documented estimate with visible assumptions.
Who it is for
Anyone who wants a quick planning check before opening a spreadsheet or consulting a qualified professional.
How it works
The calculation runs locally in the browser using a pure TypeScript calculation function and the selected assumptions.
Limitations
Retirement projections are deterministic scenarios, not guarantees. They exclude taxes, fees, market volatility, healthcare costs, and plan-specific rules.
Key calculations
- Transparent model
- Inputs are normalized, calculated locally, and displayed with the underlying estimate rather than hidden rounding.
How to use it
- 1.Enter the inputsUse the form fields that match your scenario.
- 2.Review assumptionsRead the notes and formula explanation before relying on the result.
- 3.Compare scenariosChange one assumption at a time to understand sensitivity.
Retirement projections are deterministic scenarios, not guarantees. They exclude taxes, fees, market volatility, healthcare costs, and plan-specific rules.
No. The calculation is performed in your browser and the form does not send calculator inputs to a calculation service.
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