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🏖️ Retirement Calculator

Plan your retirement with year-by-year projections. Supports pension income, Social Security, and portfolio depletion analysis.

📊 Pension & Expense Details
What you'll spend per year (in today's dollars)
⚠️ Important: Without inflation adjustment, your $40000 pension will cover less of your expenses each year. We'll show you how much extra you need to save.
🖐️

Enter your details and click Calculate

Our free retirement calculator helps you find out if you're on track to retire comfortably — and what to do if you're not. Enter your current age, savings, monthly contributions, expected return, and retirement age to see year-by-year projections of your nest egg. Whether you're 25 or 55, understanding your retirement number today is the most important financial calculation you can make.

Frequently Asked Questions

Retirement planning guides

Roth IRA vs Traditional IRA: The Tax Game Explained

One saves you taxes now. One saves you taxes later. The difference could be $100,000+ in retirement. Here's which one wins for you.

Read the guide →

How Much Money Do I Really Need to Retire?

The 4% rule and the 25x formula give you a real retirement number. Here's how to calculate yours—and what actually determines if you'll run out of money.

Read the guide →

Social Security: Will It Be There When I Retire?

The trust fund runs out in 2034. But that doesn't mean $0 benefits. Here's what's actually happening—and the claiming decision that could cost you $100,000.

Read the guide →

Retire at 55 vs 65: The $500,000 Decision

Retiring 10 years early sounds amazing. But it costs $500,000+ more and comes with health insurance nightmares. Here's the real math—and when it's worth it.

Read the guide →

The 4% Rule Explained (And When It Fails)

Withdraw 4% of your portfolio annually and never run out of money. It worked for 96% of retirees historically. But market conditions, early retirement, and timing can break it. Here's when to use 3%, 4%, or 5%.

Read the guide →

How to Catch Up on Retirement Savings in Your 40s and 50s

You're 45 with $50,000 saved for retirement. You should have $250,000. Here's the math on catching up—and the strategies that actually work when you're starting late.

Read the guide →

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