Retirement Calculator
Plan your retirement with comprehensive projections and tax optimization
Basic Information
Tax Information
Calculations use 2025 federal tax brackets and state tax rules for all 50 US states + DC. Includes retirement income exemptions for Social Security and pensions where applicable.
Current Investments
Expected Returns (Annual %)
Quick presets based on historical averages. Click any button to apply preset values to all accounts.
Real Rate of Return (after inflation): (1 + nominal_rate) / (1 + inflation_rate) - 1
Economic Assumptions
Quick preset for inflation based on historical average.
General economic inflation for converting future dollars to today's dollars
% of brokerage returns that are taxable gains
Bond Allocation
Specify which accounts hold bonds and the allocation percentage. Stock allocation = 100% - Bond allocation. Cash accounts always remain 100% cash.
Accounts with Bonds:
Cash accounts are always 100% cash (no bonds)
Expected annual return for bonds (historically ~3-5%)
Annual Contributions (Pre-Retirement)
💡 Note: This tool models your retirement account growth from contributions. Pre-retirement taxes are not calculated since they depend on your complete financial situation (salary, deductions, etc.). Tax calculations begin at retirement age.
Typically your retirement age
Tax-Deferred (401k/Traditional IRA)
Roth (Roth 401k/Roth IRA)
Taxable Brokerage
Contributions will increase with inflation each year
Income Sources (After Retirement)
Age 62 (early) to 70 (maximum benefit)
Enter 0 if you don't have a pension
Rental income, part-time work, etc.
Living Expenses
Monthly: $1,500
Monthly: $2,500
Expense Categories:
Discretionary: Travel, dining out, entertainment, hobbies, gifts
Non-Discretionary: Housing, healthcare, utilities, food, insurance, taxes
Retirement Summary
Final Balance at Age 90
$1.9M
In today's dollars
Total Withdrawn
$1.4M
From all investment accounts
Money Runs Out
Never
You have enough!
Total Taxes Paid
$77K
Federal: $59K | State Tax: $18K
Total IRMAA Surcharges
$0
Medicare Part B/D (age 65+)