Retirement Planner Calculator
Explore when you can retire, what you can spend, and how long your savings may last.
Your plan at a glance
Projected savings run out around age 74
Retire at 65 · Plan through age 95 · $180,000/year after tax, in today’s dollars.
Taxes excluded — edit the tax assumption below.
Timeline
Savings
Retirement spending
$15,000 per month. Editable presets are starting points.
At 65, this is $336,066/year in future dollars before any tax gross-up.
Social Security
Enter today’s dollars. Benefits increase with the inflation assumption.
Assumptions & taxes8% / 5% returns · 2.5% inflation · 0% tax
Use your estimated combined federal and state effective rate. This simplified rate applies to portfolio withdrawals and Social Security. At 0%, taxes are excluded.
- Portfolio at 65
- $1,353,788
- Plan funded to age
- 74
- Sustainable annual spending
- $86,063
Amounts in today's dollars. Sustainable spending is after tax. These are constant-return projections, not success probabilities.
Your lifetime portfolio
Portfolio value · today’s dollars. Retire at 65; Social Security starts at 67. Spending is not fully funded from about age 74.
Annual cash flow
Contributions before retirement · withdrawals after retirement. Starting savings are excluded.
Age
Retirement cash flow and funding detail
- After-tax annual spending
- $180,000
- Gross annual portfolio withdrawal
- $180,000
- Estimated annual income taxes
- $0
- Social Security before tax — starts at 67
- $0
- Nest egg needed at 65
- $3,332,216
- Gap at retirement
- $1,978,428
Required amounts are annualized at age 65; these are spending needs, not necessarily funded withdrawals. Savings fund approximately 9 years, 6 months. Annual details show actual monthly flows aggregated for each year.
Ways to close the gap
Each option is an alternative. Preview a change, apply it, then combine it with another adjustment if useful.
Save more
$5,385/month total
Retirement age
Age 75
Spending
$86,062/year after tax
One-time funding
Add $503,229 today
Annual details
| Age | Opening balance | Contributions | Growth | Gross withdrawals | Social Security | Estimated taxes | Spending goal | Spending funded | Unmet spending | Closing balance |
|---|---|---|---|---|---|---|---|---|---|---|
| 40 | $150,000 | $17,796 | $8,862 | $0 | $0 | $0 | $0 | $0 | $0 | $176,657 |
| 41 | $176,657 | $17,357 | $10,352 | $0 | $0 | $0 | $0 | $0 | $0 | $204,366 |
| 42 | $204,366 | $16,929 | $11,902 | $0 | $0 | $0 | $0 | $0 | $0 | $233,196 |
| 43 | $233,196 | $16,511 | $13,515 | $0 | $0 | $0 | $0 | $0 | $0 | $263,222 |
| 44 | $263,222 | $16,104 | $15,195 | $0 | $0 | $0 | $0 | $0 | $0 | $294,521 |
| 45 | $294,521 | $15,707 | $16,947 | $0 | $0 | $0 | $0 | $0 | $0 | $327,175 |
| 46 | $327,175 | $15,319 | $18,776 | $0 | $0 | $0 | $0 | $0 | $0 | $361,270 |
| 47 | $361,270 | $14,941 | $20,687 | $0 | $0 | $0 | $0 | $0 | $0 | $396,898 |
| 48 | $396,898 | $14,573 | $22,683 | $0 | $0 | $0 | $0 | $0 | $0 | $434,154 |
| 49 | $434,154 | $14,213 | $24,772 | $0 | $0 | $0 | $0 | $0 | $0 | $473,139 |
| 50 | $473,139 | $13,863 | $26,958 | $0 | $0 | $0 | $0 | $0 | $0 | $513,960 |
| 51 | $513,960 | $13,521 | $29,248 | $0 | $0 | $0 | $0 | $0 | $0 | $556,729 |
| 52 | $556,729 | $13,187 | $31,647 | $0 | $0 | $0 | $0 | $0 | $0 | $601,564 |
| 53 | $601,564 | $12,862 | $34,163 | $0 | $0 | $0 | $0 | $0 | $0 | $648,589 |
| 54 | $648,589 | $12,545 | $36,803 | $0 | $0 | $0 | $0 | $0 | $0 | $697,936 |
| 55 | $697,936 | $12,235 | $39,573 | $0 | $0 | $0 | $0 | $0 | $0 | $749,745 |
| 56 | $749,745 | $11,934 | $42,482 | $0 | $0 | $0 | $0 | $0 | $0 | $804,161 |
| 57 | $804,161 | $11,639 | $45,538 | $0 | $0 | $0 | $0 | $0 | $0 | $861,338 |
| 58 | $861,338 | $11,352 | $48,750 | $0 | $0 | $0 | $0 | $0 | $0 | $921,440 |
| 59 | $921,440 | $11,072 | $52,126 | $0 | $0 | $0 | $0 | $0 | $0 | $984,639 |
| 60 | $984,639 | $10,799 | $55,677 | $0 | $0 | $0 | $0 | $0 | $0 | $1,051,115 |
| 61 | $1,051,115 | $10,533 | $59,413 | $0 | $0 | $0 | $0 | $0 | $0 | $1,121,061 |
| 62 | $1,121,061 | $10,273 | $63,344 | $0 | $0 | $0 | $0 | $0 | $0 | $1,194,677 |
| 63 | $1,194,677 | $10,020 | $67,481 | $0 | $0 | $0 | $0 | $0 | $0 | $1,272,178 |
| 64 | $1,272,178 | $9,773 | $71,838 | $0 | $0 | $0 | $0 | $0 | $0 | $1,353,788 |
| 65 | $1,353,788 | $0 | $32,469 | $180,000 | $0 | $0 | $180,000 | $180,000 | $0 | $1,206,258 |
| 66 | $1,206,258 | $0 | $28,746 | $180,000 | $0 | $0 | $180,000 | $180,000 | $0 | $1,055,004 |
| 67 | $1,055,004 | $0 | $25,155 | $156,000 | $24,000 | $0 | $180,000 | $180,000 | $0 | $924,159 |
| 68 | $924,159 | $0 | $21,853 | $156,000 | $24,000 | $0 | $180,000 | $180,000 | $0 | $790,012 |
| 69 | $790,012 | $0 | $18,468 | $156,000 | $24,000 | $0 | $180,000 | $180,000 | $0 | $652,480 |
| 70 | $652,480 | $0 | $14,997 | $156,000 | $24,000 | $0 | $180,000 | $180,000 | $0 | $511,478 |
| 71 | $511,478 | $0 | $11,439 | $156,000 | $24,000 | $0 | $180,000 | $180,000 | $0 | $366,917 |
| 72 | $366,917 | $0 | $7,791 | $156,000 | $24,000 | $0 | $180,000 | $180,000 | $0 | $218,708 |
| 73 | $218,708 | $0 | $4,051 | $156,000 | $24,000 | $0 | $180,000 | $180,000 | $0 | $66,759 |
| 74 | $66,759 | $0 | $571 | $67,330 | $24,000 | $0 | $180,000 | $91,330 | $88,670 | $0 |
| 75 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 76 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 77 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 78 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 79 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 80 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 81 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 82 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 83 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 84 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 85 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 86 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 87 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 88 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 89 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 90 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 91 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 92 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 93 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 94 | $0 | $0 | $0 | $0 | $24,000 | $0 | $180,000 | $24,000 | $156,000 | $0 |
| 95 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
How it works›
Model and assumptions. Projects saving before retirement and withdrawals afterward using the entered return, inflation, income and spending assumptions. Level cash flows use standard present/future-value formulas; balances are compared at the modeled retirement date. Spending is after tax in today’s dollars. Gross required income = after-tax spending / (1 − effective tax rate); gross portfolio withdrawals subtract gross Social Security once it starts. The same flat rate applies to both income sources, without tax brackets or account-specific tax rules. A constant-return funding result is not a market-success probability or a complete tax projection.OpenStax: annuity formulasIRS: retirement income tax treatment