Retirement Calculator
Free Online Retirement Calculator
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Retirement Calculator
Savings goal · Nest egg · Income sources · Longevity planning
About You
yrs
yrs
yrs
Current Finances
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$
$
Return Assumptions
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Retirement Income Goal
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%
Retirement Readiness
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Projected Nest Egg at Retirement
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Savings Needed
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Years to Retirement
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Years in Retirement
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Total Contributions
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Investment Growth
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Savings Gap / Surplus
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Required Monthly Contribution
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Annual Drawdown (inflation-adj)
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Monthly Retirement Income
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💀 Longevity Risk — Will Your Money Last?
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Retirement
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Life expectancy (—)
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🔮 What-If Scenarios
If you save $500/mo more:
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If you retire 5 years later:
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If returns are 1% lower (market headwind):
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If inflation is 4% (higher):
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Monthly contribution needed to be fully funded:
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📊 Accumulation & Drawdown Projection
| Age | Contribution | Balance | Phase | Withdrawals | End Balance |
|---|
Retirement Planning Tips
Retirement Income Sources
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$
$
$
$
$
Retirement Expenses
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$
$
%
%
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Total Annual Income
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Before tax
Annual Surplus / Shortfall
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—
After-Tax Income
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Total Annual Expenses
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Monthly After-Tax Income
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Replacement Rate
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📊 Income Sources Breakdown
🔮 Income Scenarios
In 10 years (inflation-adjusted expenses):
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In 20 years (inflation-adjusted expenses):
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If healthcare doubles:
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If Social Security is cut 25%:
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Additional income needed to cover all expenses:
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Income Strategy Tips
FIRE Calculator
yrs
$
$
$
%
%
Your FIRE Number
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Years Until FIRE
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FIRE Age
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Still Need to Save
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Current Savings Rate
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Monthly Withdraw at FIRE
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🔮 FIRE Sensitivity
Lean FIRE (25x expenses at 4% SWR):
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Fat FIRE (33x expenses at 3% SWR):
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Coast FIRE (stop saving, let it grow):
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Barista FIRE (part-time, halve expenses):
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If savings rate doubles:
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If expenses cut by 20%:
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FIRE Strategy Tips
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