How does the calculator account for inflation?

It adjusts your post-retirement monthly withdrawals upward each year based on the specified inflation rate to maintain real purchasing power.

What is the difference between pre-retirement and post-retirement return rates?

Pre-retirement return applies to the accumulation phase when you are actively saving, while post-retirement return applies to the withdrawal phase, which typically uses a more conservative investment strategy.

What happens if my nest egg runs out before my life expectancy?

The calculator will report the exact age at which your savings are depleted and calculate the total financial shortfall.

Can I set different inflation rates for the accumulation and withdrawal phases?

No, the calculator applies a single, consistent inflation rate across both phases to project real purchasing power.

What does the decimal places option do?

It controls the rounding precision of the currency values displayed in the final HTML report.

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Retirement Calculator

Two-phase retirement model: an accumulation phase (current age to retirement, with monthly contributions and compound growth) and a withdrawal phase (retirement to life expectancy, nest egg grows at a conservative rate while inflation-adjusted withdrawals are taken out). Reports whether the nest egg lasts, real purchasing power, and any shortfall.

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Age 30, retire at 65, $50k now + $1k/month, $3k/mo withdrawal

Accumulating at 7% with 3% inflation, the nest egg reaches roughly $1.9M nominal at age 65. Withdrawing $3k/month (inflation-adjusted) with a 4% post-retirement return, check whether it lasts to age 90.

<div>Retirement Calculator</div>

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10 options

SettingsAdjust formats, ranges, numbers, and modes.10

Current AgenumberRequiredRetirement AgenumberRequiredCurrent SavingsnumberRequiredMonthly ContributionnumberRequiredPre-Retirement Return (%)numberRequiredInflation Rate (%)numberRequiredLife ExpectancynumberRequiredMonthly WithdrawalnumberRequiredPost-Retirement Return (%)numberRequiredDecimal PlacesnumberOptional

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Retirement Calculator

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1. Early Career Retirement Planning

2. Late-Stage Retirement Adjustment

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