Free retirement planning tool

Retirement Calculator

Estimate how much you'll need to retire based on current spending, investments & inflation.

Step 1

Enter your assumptions

Current Annual Spending (Today’s Dollars)

Enter your annual spending today. We'll adjust it for inflation automatically.

Current Age

Retirement Age

Current Investments

Monthly Investment

Expected Return

Inflation

Withdrawal Rate

What do these assumptions mean?

Expected return: the average annual investment growth you assume before retirement. Returns are compounded annually.

Inflation: how quickly everyday costs may rise over time.

Withdrawal rate: the percentage of your portfolio you plan to withdraw during your first retirement year.

Step 2

Your Retirement Plan

Ready

Enter your information and select Calculate My Retirement Plan.

Estimated portfolio needed at retirement $0

Annual spending at retirement$0Inflation-adjusted

Projected portfolio at retirement$0Using your current plan

Monthly investment needed$0

Coast FI estimate today$0Amount that could grow to the target without new contributions

Projected funding0%

Projected portfolio growth

Estimated year-end balance based on your assumptions.

Projected portfolioRetirement target

Projection assumes annual compounding, with monthly contributions combined and invested at the end of each year.

How your projected portfolio is built

Current investments$0

Future contributions$0

Estimated investment growth$0

Taxes are not included. Actual retirement taxes vary based on account types, cost basis, filing status, and withdrawal strategy.

How the estimate works

Adjust today’s spending

Your annual spending is increased by your inflation assumption for every year until retirement.

Estimate your target

The inflation-adjusted spending amount is divided by your selected withdrawal rate.

Project your investments

Your current balance grows annually, and your monthly contributions are grouped into annual contributions for the projection.

Important disclaimer

This calculator is for educational and illustrative purposes only. It does not provide financial, investment, tax, or legal advice and does not guarantee future results. Investment returns, inflation, fees, taxes, and withdrawal needs may differ materially from these estimates.