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Retirement Planning CALCULATOR

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

Your Profile

Savings & Contributions

Higher = riskier. Used in Monte Carlo simulations.
Remaining % goes to Roth (post-tax). Retirement withdrawals from Traditional are taxed.
Effective tax rate on Traditional withdrawals in retirement.
Traditional Taxed on withdrawalRoth Tax-free

Adjustments

Annual increase to your monthly contribution

Social Security

Additional Retirement Income

Add guaranteed income sources during retirement

One-Time Expenses in Retirement

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

Withdrawal Strategy

Fixed 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

Compare

Compare your current plan against an alternative strategy

History

Enter your information and click Calculate

Frequently Asked Questions

How much money do I need to retire?
Enter your current savings, monthly contribution, expected return rate, and desired retirement income. The tool calculates whether your nest egg can sustain your goal through retirement, adjusted for inflation.
How does the calculator model retirement?
It uses two phases: an accumulation phase (from your current age to retirement age) where contributions and compound growth build your nest egg, and a drawdown phase (retirement onward) where monthly withdrawals reduce the balance while remaining funds continue to grow.
What is contribution escalation?
Contribution escalation lets you specify a yearly percentage increase to your monthly deposits. This models expected salary increases over your career so contributions grow with your income.
How does Social Security factor in?
You can toggle Social Security on, enter your estimated monthly benefit, and set the age you plan to start collecting. The tool adds this income during the drawdown phase, reducing how much you need to withdraw from savings.
What does 'Funds Last' mean?
It shows how many years your retirement savings will last given your desired monthly income. If the duration is shorter than your life expectancy, you may need to save more, retire later, or reduce your goal income.
What is Monte Carlo simulation?
Monte Carlo runs 2000 simulations where each year's return is randomly varied based on your expected return and volatility. The result shows the probability your plan succeeds.
What withdrawal strategies are available?
Three strategies: Fixed Dollar (withdraw your goal amount adjusted for inflation), 4% Rule (withdraw 4% of initial nest egg yearly, inflation-adjusted), and Variable Percentage (withdraw a growing percentage of current balance).
What currencies are supported?
10 currencies: USD, EUR, GBP, JPY, INR, CAD, AUD, CHF, CNY, BRL. Your selection is saved in localStorage and all values update immediately.
What is goal seek?
Goal Seek uses binary search to find the exact monthly contribution needed to meet your retirement goal. Results are auto-filled into the contribution field.

How to Use

01

Enter Your Profile

Fill in your current age, target retirement age, and life expectancy.

02

Set Savings & Tax Allocation

Enter savings, monthly contribution, expected return, volatility. Set your Traditional vs Roth split and expected retirement tax rate.

03

Configure Adjustments

Set inflation rate and contribution escalation percentage.

04

Add Social Security, Income & Expenses

Toggle Social Security, add pension/rental/part-time income. Add one-time expenses in retirement.

05

Choose Currency & Withdrawal Strategy

Select from 10 currencies. Choose Fixed Dollar, 4% Rule, or Variable Percentage withdrawal.

06

Use Goal Seek (Optional)

Click Goal Seek to auto-find the required monthly contribution to meet your target.

07

Run Monte Carlo & Export

Click MC for probability analysis. Export tables as CSV for further analysis.

How to Calculate

Each year of accumulation is modeled as: balance = balance + (monthly_contribution × 12) + (balance × annual_return_rate). Traditional and Roth balances are tracked separately. During drawdown, withdrawals are taxed at your expected retirement rate based on the Traditional portion. Monte Carlo runs 2000 simulations with normally-distributed random returns. Goal Seek uses binary search to find the minimum monthly contribution that achieves success.

About the Retirement Planning Calculator

The Retirement Planning Calculator helps you model your financial future from accumulation through drawdown. Enter your current age, savings, expected returns, and retirement goal, then see if you're on track.

Key features include multi-currency support (10 currencies), inflation-adjusted projections, Social Security integration, Traditional vs Roth tax modeling, additional income sources (pension, rental, part-time), one-time expenses, three withdrawal strategies, Monte Carlo simulation with distribution analysis, goal seek (auto-find required savings), alternative strategy comparison, year-by-year accumulation and drawdown tables, chart visualization, CSV export, and goal progress tracking. All calculations run entirely in your browser — no server round-trips, no data storage, complete privacy.

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