RETIREMENT PLANNER
Will your money last through retirement?
Explore how your savings, contributions, retirement spending, and investing could shape your retirement.
Your information
Assumptions
Use your expected average annual raise.
Your salary is increased by this percentage after each working year. It affects future contributions when savings are entered as a percentage of salary.
What you expect your investments to earn until retirement. Historical stock market averages have been between 6-10%
The calculator applies this constant average return each working year. Actual annual returns fluctuate and may be negative. No assumed return is guaranteed.
People often choose less risky investments in retirement, so expected returns may be lower.
Less risky investments can reduce volatility, but they may also produce lower expected returns. No assumed return is guaranteed.
How much you expect prices and living costs to increase each year. Long-term U.S. inflation has averaged about 3%.
Inflation means the same goods and services generally cost more over time. While the historical average is 3% it is good to know how anywhere from 2-4% inflation can affect your retirement.
How much you think you will spend each year in retirement, in today's dollars.
Enter the amount you want to spend annually in today's purchasing power. Consider what lifestyle you want in retirement.
Income such as Social Security, a pension, or investment-property income.
This income reduces the amount that must be withdrawn from your retirement portfolio. It could include Social Security, pension payments, annuity income, or net income from investment properties. The entered amount begins in the first retirement year and then increases annually with inflation.
YOUR PROJECTION
At retirement
First-year spending
Earliest sustainable retirement
Money runs out
Portfolio Projection
Year-by-Year Projection
| Age | Phase | Annual Salary | Saved | Total Balance |
|---|
Curious how these numbers are calculated? See how it works →