Calculators

Retirement Planning CALCULATOR

Model your accumulation and drawdown phases. Compare strategies, add Social Security, see inflation-adjusted results.

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Currency

Your Profile

Current Age

Retirement Age

Life Expectancy

Savings & Contributions

Current Retirement Savings

Monthly Contribution

Expected Annual Return (%)

Return Volatility (Std Dev %)Higher = riskier. Used in Monte Carlo simulations.

Traditional (Pre-Tax) Allocation %Remaining % goes to Roth (post-tax). Retirement withdrawals from Traditional are taxed.

Expected Tax Rate in Retirement (%)Effective tax rate on Traditional withdrawals in retirement.

Traditional Taxed on withdrawalRoth Tax-free

Adjustments

Inflation Rate (%)

Contribution Escalation (%/yr)Annual increase to your monthly contribution

Social Security

Include Social Security

Monthly Benefit (in today's dollars)

Start Collecting at Age

Additional Retirement Income

Add guaranteed income sources during retirement

Monthly Pension

Monthly Rental Income

Monthly Part-Time Work

One-Time Expenses in Retirement

Add major one-time costs (healthcare, home repair, car, etc.)

Withdrawal Strategy

StrategyFixed Dollar: withdraw your goal amount adjusted for inflation. 4% Rule: withdraw 4% of initial nest egg yearly, inflation-adjusted. Variable: withdraw a growing % of current balance.

Retirement Goal & Goal Seek

Desired Monthly Income (in today's dollars)

Compare

Compare your current plan against an alternative strategy

Alt. Monthly Contribution

Alt. Annual Return (%)

Alt. Retirement Age

History

Enter your information and click Calculate

At a Glance

Nest Egg at Retirement

Total Contributions

Investment Growth

Goal Status

Est. Monthly Income

0 yrs

Funds Last

Full Projection Chart

Goal Progress

Insights

Year-by-Year Growth

Age	Year	Start	Contributions	Growth	End

Withdrawal Phase

Age	Year	Start Balance	Withdrawal	Tax on Withdrawal	Social Security	Additional Income	Growth	End Balance

Monte Carlo Simulation

Results across 2000 simulations with randomized annual returns

Click MC to run simulation

End Nest Egg Distribution

Strategy Comparison

Estimates for education only — not financial, tax, or investment advice. Verify with a qualified professional. Disclaimer

Frequently Asked Questions

¿Cuánto necesito?

Regla común: 25-30 veces tu gasto anual. La herramienta lo afina con inflación y edad.

¿Qué es el número FIRE?

El capital con cuya renta cubres gastos y el trabajo se vuelve opcional.

¿Aporte mensual?

Pon meta, años y rentabilidad: sale al instante.

¿Es asesoramiento?

No. Solo estimación educativa.

How to Use

Pon tu gasto

Gasto mensual y edad.

Elige rentabilidad

% esperada e inflación.

Mira el plan

Capital, aporte y retiro.

How to Calculate

Capital = gasto anual × 25 (regla del 4%).

Sobre esta calculadora

Herramienta para jubilarse a tiempo o antes. Con fases de ahorro y retiro, metas FIRE y capital ajustado por inflación. Más comparativa de estrategias. Educativa, privada y gratuita.

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Methodology & feedback

Figures run locally in your browser from the values you enter (page updated 2026-10-02). Estimates are educational only — verify finance, tax and health decisions with a qualified professional (see Disclaimer). Spotted an error? Report it via contact and we correct with a new update date.

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