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Retirement calculator

Plan your path to early retirement

Estimate your retirement age, see your projected balance, and fine-tune the assumptions in minutes.

Customize Your Plan

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Used to calculate your savings rate

Historical CPI data covers 1871–2015. Values before 1913 are proxy estimates.

How We Calculate Your Plan

How It Works

We apply proven financial principles to estimate your retirement timeline and income.

Key Assumptions

  • Investments grow with monthly compounding
  • Assumes steady monthly contributions
  • Safe withdrawal rate defaults to 4% annually (adjustable)
  • Inflation factored at 2.5% annually (adjustable)
  • Retirement goal and expenses increase with inflation

Recommended Ranges

  • Expected annual return: 6–8% for a diversified portfolio
  • Withdrawal rate: 3.5–4.5% for sustainable income
  • Inflation rate: 2–3% based on historical averages
Pro Tip: Keep an emergency fund separate from retirement savings—it protects your plan from unexpected bumps.