Retirement

Retirement Readiness Calculator

Project your accumulation and decumulation paths, estimate your annual gap at retirement, and compare projected balance to a required nest egg under both an annuity method and the 4% rule.

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How to use

Enter your current age, retirement age, life expectancy, and savings/contribution.
Adjust pre/post-retirement return, inflation, and retirement spending as % of income.
Optionally override Social Security; 0 uses a simple income-based estimate.
Review the on-track ratio, required nest egg (annuity + 4% methods), and depletion age.

Assumptions & disclaimer

These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.

Returns are flat and deterministic — no Monte Carlo, no taxes, no fees.
Spending is inflation-adjusted; Social Security grows with inflation each year.
Auto SS estimate is a simplified replacement-rate placeholder, not a PIA calculation.
Required nest egg (annuity method) is the present value of inflation-adjusted spending across retirement years.