Educational illustration

Retirement projection calculator

Explore how a set of assumptions could affect a portfolio over time. This is not personalized financial, tax, or investment advice.

Your inputs stay in this browser: this calculator is local-only and does not transmit form data.

How this illustration works

Returns are real (after inflation), and income, expenses, and portfolio values are in today’s dollars. Each year applies the selected return to the opening balance, then adds that year’s income minus expenses. The calculation keeps its precision; displayed currency is rounded to whole dollars.

The 3% withdrawal guideline is only an illustration, not a claim of safety. It does not account for market variability, taxes, pensions, healthcare, or your individual circumstances.

Before retirement

Current annual net income

Income before retirement, excluding investment returns.

Current annual expenses

Annual expenses before retirement.

Current portfolio value

The total value of accounts included in this illustration.

Pre-retirement annual return

Real, after-inflation annual return; decimals such as 4.9 are allowed.

After retirement

Post-retirement annual expenses

Expected annual expenses after leaving full-time work.

Post-retirement annual income

Active income after retirement, excluding investment returns.

Post-retirement annual return

Real, after-inflation annual return; values may be negative.

Timeline and requested scenarios

Current age

A whole-number age from 0 through 120.

Final age

A whole-number age later than your current age.

Requested retirement ages

Optional comma-separated, unique whole-number ages between your current and final ages.

How this illustration works

Projection results