Retirement Calculator

All accounts earmarked for retirement (401(k), IRA, taxable). This amount will grow at your real (after-inflation) growth rate.

Years until you stop working.

How much you plan to save each month.

How many years you'll make monthly contributions.

Nominal (before inflation). Stocks ~7-10% long-run; bond-heavy ~3-6%.

Long-run CPI is ~2-3%. Used with the Fisher equation to convert nominal returns into today's dollars.

Your spending in today's dollars. Include housing, food, healthcare, insurance.

Reliable income: Social Security, pensions, annuities, dependable rental net.

Percent of portfolio spent per year. 3-4% common; 3-3.5% for early retirement.

Blended effective tax rate on withdrawals. 0% if mostly Roth; 10-25% typical otherwise.

Buffer for sequence risk, healthcare surprises. 10-20% typical; 20-30% for early retirement.