Retirement Planner Calculator
Estimate whether current contributions can support a desired retirement income target.
Retirement Inputs
Recommendations
Calculation Steps
How to read the retirement estimate
Use the estimate to compare savings pace with an income target before doing a more detailed retirement plan.
Nest egg is projected to retirement age
Current savings, monthly contributions, expected return, and years to retirement are combined into an estimated retirement balance.
Income target sets the required balance
Desired annual income divided by the withdrawal rate gives the target nest egg used for the gap or surplus estimate.
Small assumption changes matter
Expected return, retirement age, and withdrawal rate can change the result substantially. Use conservative scenarios as well as optimistic ones.
Retirement Planner FAQ
Common questions about withdrawal rates, income targets, and projection assumptions.
Is the withdrawal rate the same as guaranteed income?
No. The withdrawal rate is a planning assumption for drawing from savings. It does not guarantee that investments, inflation, or taxes will behave as expected.
Does this include Social Security, pensions, or taxes?
No. This simplified calculator focuses on savings and desired income. Subtract expected outside income from the desired annual income if you want to model only the portfolio-funded portion.
Why does delaying retirement change the result so much?
A later retirement age adds more contribution months and more time for potential compounding, while also shortening the period the savings may need to cover.