Retirement Planner

FIRE-style calculator with family planning features.

Your assumptions

Current age Retirement age Life expectancy Current savings ($) Monthly contribution ($) Desired annual retirement spending ($) Other annual retirement income ($) Safe withdrawal rate (%) Expected yearly pre-retirement equity return (%) Expected yearly pre-retirement fixed income return (%) Expected yearly post-retirement equity return (%) Expected yearly post-retirement fixed income return (%) Inflation (%)

Portfolio allocation

Pre-retirement equities (%) Pre-retirement fixed income (%) Post-retirement equities (%) Post-retirement fixed income (%)

For each phase, equities + fixed income should add up to 100%. Blended yearly return is calculated from these allocations and the yearly return inputs above.

Semi-retirement contribution reduction Reduce contributions at a semi-retirement start age

Children & college fund contributions

For each child, enter the total college fund target and how many years from now it must be funded. Required college funding is treated as a separate (untappable) bucket and reduces retirement contributions. You can also define a payout event per child.

Plan overview

Adjust values in the left panel. Results update automatically and help you compare your projected portfolio with your target.

Results

Target portfolio at retirement

Projected portfolio at retirement

Based on current savings, contributions, and expected return.

Gap vs target

Portfolio projection graph

Nominal portfolio value vs. inflation-adjusted value over time.

Inflation-adjusted matrix

Year-by-year projection with nominal values and today's dollars.

Disclaimer

This calculator is provided only as an encouragement tool to help you start thinking about retirement planning. It is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Your retirement planning decisions and outcomes are solely your responsibility. We strongly encourage you to work with a qualified financial professional before making decisions. By using this tool, you acknowledge that we are not liable for any losses, damages, or decisions made based on its results.

Plan overview

Results

Target portfolio at retirement

Projected portfolio at semi-retirement

Projected portfolio at retirement

Gap vs target

Portfolio projection graph

Inflation-adjusted matrix

Disclaimer