Plan Your Retirement, Clearly
Project your portfolio to retirement, compare with the spending you want, and see the gap— plus the monthly saving to close it.
Inputs
Quick reference
Withdrawal rate: 4% is a simple starting point—adjust for risk and horizon.
Real vs nominal: spending is inflated to retirement dollars from your inflation input.
Sequence risk: early bad returns near retirement hurt—keep a buffer and review.
Educational tool only. For Social Security, use the SSA estimator.
- Model pensions/SS as “Other retirement income”.
- Prefer conservative returns and realistic inflation.
- Bump contributions yearly with raises/bonuses.
- Diversify; keep some cash buffer around retirement.
Results
Outcomes depend on returns and timing; review periodically and keep flexibility around retirement.
How to use the Retirement calculator
Project whether future savings can support retirement spending. Before calculating, enter accurate inputs: Enter current savings, contributions, growth, inflation, and timeline.
After you get the output, interpret it like this: Use projected gap or surplus to adjust savings rate early. Practical tip: Review assumptions yearly as income and markets change.This calculator is for planning and scenario analysis, so use it with your broader risk management, position sizing, and market context before taking a real trade or investment decision.
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