Retirement Planning Calculator

1) Basics
2) Returns & Inflation
Tip: Returns are long-run averages. Volatility enables the optional Monte Carlo simulation.
3) Retirement Spending & Income
Your spending goal is in today's dollars. We'll inflate it to retirement and keep it indexed if you choose.
4) Quick Monte Carlo (optional)
Set runs to 0 to skip simulation. Higher runs look smoother but take longer.
Target Nest Egg (needed at retirement)
$0
Projected Nest Egg (at retirement)
$0
Gap / Surplus
$0
Sustainable Income (SWR × balance)
$0/mo
Success Probability (Monte Carlo)
—
Funds Last To Age (median)
—
Projected Balance MC Band (optional) Target at Retirement
Yearly Projection
Age
Year
Start Balance
Contrib
Growth
Income In
Spending Out
End Balance
Notes & Assumptions
  • Contributions are monthly and can grow each year (advanced).
  • We inflate your spending goal to retirement; “index spending” keeps it rising with inflation.
  • Monte Carlo uses monthly steps with normal returns from your mean & volatility (simple model).
  • Educational tool—this is not investment, tax, or legal advice.