Retirement Calculator
Project net worth at retirement, inflation-adjusted spending, retirement withdrawals, and an auto-filled 2025 federal marginal tax bracket.
Main Assumptions
Current age, retirement age, starting net worth, annual savings, and inflation.
25 years until retirement
$1,250,000 contributed before retirement
Used to inflate retirement spending.
Retirement path
$10,334,706 projected at age 65.
Market Investment Assumption
Custom return
Index presets use approximate 30-year annualized historical total-return averages with dividends reinvested. They are planning assumptions, not forecasts.
Retirement Spending and Interest
Spending is entered in current dollars, then inflated to retirement.
$251,253 in first retirement year
24% for $103,351-$197,300. Uses 2025 federal single marginal brackets and treats spending as taxable income.
About this retirement calculator
This retirement calculator projects current net worth and annual contributions to a selected retirement age, then estimates inflation-adjusted retirement spending and portfolio withdrawals.
The tax bracket display can use 2025 federal single-filer or married-filing-jointly marginal brackets as a planning proxy and treats the retirement spending input as taxable income. Real retirement taxes can differ based on account type, deductions, Social Security, pensions, and state taxes.
How to interpret the result
The retirement balance is the estimated portfolio at the selected retirement age. The retirement runway shows how long the modeled balance supports inflated spending after estimated federal tax.
What to verify
Confirm tax filing status, account mix, withdrawal order, required minimum distributions, Social Security, pensions, health care, state taxes, and actual investment fees before relying on the estimate.