What this tool does
Retirement Calculator projects savings with a year-by-year balance model using withdrawals, returns, inflation, and optional contributions.
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🏦 Retirement / FIRE Calculator
Run a year-by-year retirement projection instead of trusting a brittle shortcut formula.
Financial estimate note
- Retirement projections are assumption-driven estimates, not financial advice.
- Run low, base, and high scenarios before making planning decisions.
Retirement projection checks
Validates savings, withdrawal, return, inflation, contributions, and horizon. The year-by-year model is educational, not financial advice.
Why it is useful
It helps compare retirement and FIRE scenarios without hiding assumptions behind one fragile formula.
How it works
The calculator grows the balance by return, subtracts withdrawals, adjusts future withdrawals for inflation, and stops when savings run out or the horizon ends.
Best input
Use realistic return, inflation, withdrawal, tax, and fee assumptions. Compare multiple scenarios.
Planning tip
Stress-test lower returns and higher inflation.
Privacy note
Projection calculations happen locally in your browser.
Important limitation
This is educational only and not financial advice. Markets, taxes, inflation, fees, and personal circumstances can materially change outcomes.
Quick answers
Why not just divide savings by withdrawal?
Returns, inflation, and contributions change the balance every year, so straight division can mislead.
Should I use nominal or real returns?
Use nominal returns with inflation, or real returns with inflation set to zero.
Common Use Cases
Estimate how long savings may last
Run a year-by-year projection for a planned withdrawal amount and expected return.
Stress-test FIRE assumptions
Compare lower returns, higher inflation, and different withdrawal amounts.
Finance Calculator Suite workflow
Move between loan, mortgage, tax, household utility, compound growth, retirement, ROI, margin, sales-tax, and discount calculations while keeping assumptions and financial limitations visible per tab.