Retirement Calculator
Simulate your path to retirement and beyond. Contributions grow until your retirement age, then withdrawals (inflation-adjusted) draw the balance down — showing exactly which year your money would run out.
Balance at retirement
$1,894,754.94
- Funds last through plan horizon
- Remaining at age 90
- $2,539,884.13
Balance never reaches zero under these assumptions.
| Year | Balance | Annual withdrawal |
|---|---|---|
| Age 65 | $1,929,492.69 | $60,000.00 |
| Age 70 | $2,101,022.80 | $69,556.44 |
| Age 75 | $2,262,357.49 | $80,634.98 |
| Age 80 | $2,401,507.96 | $93,478.04 |
| Age 85 | $2,501,712.33 | $108,366.67 |
| Age 90 | $2,539,884.13 | $125,626.68 |
How the Retirement Calculator works
The calculation follows the standard method used across the US — no shortcuts, no hidden assumptions. Here is exactly what happens behind the scenes:
Formula
balanceₜ₊₁ = balanceₜ(1+r) + contribution − withdrawal
Frequently Asked Questions
How much do I need to retire in the US?
A common benchmark is 25× your first-year withdrawals (the 4% rule). Wanting $60,000/year implies roughly a $1.5M portfolio, adjusted for other income like Social Security.
What return should I assume?
Pre-retirement portfolios of 70–90% stocks have historically returned 6–8% nominal; post-retirement mixes closer to 4–6%. Modeling conservatively beats being surprised.
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