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Plan Your Retirement
With Confidence

Transform complex retirement calculations into clear, actionable insights. Explore multiple scenarios, visualize your financial future, and make informed decisions about Social Security, withdrawals, and portfolio management.

Start PlanningLearn the Basics

Choose Your Scenario

Each calculator models a different retirement strategy. Compare results to find the approach that best fits your situation.

Age 67 Needs-Based

Calculate retirement draws based on your target annual income. Accounts are drawn proportionally to meet your spending needs each year, adjusted for inflation.

  • CPI-adjusted income needs
  • SS income at age 67
  • Proportional account draws
  • Tax impact analysis
Open Calculator

4% Rule Calculator

Apply the classic 4% withdrawal rule to your portfolio. Each year, withdraw 4% of your total portfolio value regardless of spending needs.

  • 4% annual withdrawal
  • Portfolio-based draws
  • Income sustainability check
  • Growth vs. withdrawal balance
Open Calculator

Age 70 SS Calculator

Explore the benefits of delaying Social Security to age 70 for higher monthly benefits. Simplified scenario with pension and portfolio draws.

  • Higher SS at age 70
  • Pension income included
  • Adjusted spend curve
  • Portfolio longevity analysis
Open Calculator

How It Works

This tool replicates the calculations from a professional retirement planning spreadsheet, making them accessible and interactive.

1

Enter Your Details

Input your personal information, account balances, Social Security estimates, and financial assumptions.

2

Choose a Strategy

Select between needs-based draws, the 4% rule, or delayed Social Security to model different approaches.

3

Review Projections

See year-by-year projections with interactive charts showing portfolio growth, income sources, and tax impacts.

4

Compare & Decide

Run multiple scenarios with different assumptions to find the strategy that gives you the most confidence.

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Key Assumptions Built In

The calculator uses real historical data and standard financial planning assumptions that you can customize to match your situation.

2.8%
CPI Median
Historical inflation rate
2.9%
SS COLA
Cost of living adjustment
7.0%
ROI
Investment return rate
10%
Federal Tax
Effective tax rate