A calculator gives you a quick estimate
Use it to estimate a target balance, compare savings rates, test retirement ages, and understand how much your result depends on assumptions.
Retirement calculator
Get a quick manual estimate with Tablewealth's retirement calculator. Estimate how much you may need, whether your current savings are on track, and which assumptions matter most. To save the result, connect real accounts, model household details, and review year-by-year cash flow, turn it into a Tablewealth Plan.
Inputs
Plan assumptions
Tune the public model manually here. Tablewealth can prefill synced balances and account-level assumptions from your workspace.
Plan unlocks the full model
This free version is a quick manual estimate.
Sign up to save the result, connect real balances, model spouse details, add milestone spending, and review healthcare, tax, and year-by-year cash-flow detail.
Spouse or partner modeling
Milestone expenses and windfalls
Healthcare and tax assumptions
Adjustable simulation settings
At retirement
$2.5M
Target balance
$2.7M
Monte Carlo success
27%
Median simulation10th percentile90th percentileBase plan
Years to retirement
24
Retirement surplus
-$179K
Median depletion
Age 78
Detailed projection
Year-by-year cash flow is available in Plan.
The free calculator shows the headline outcome. Plan adds the annual breakdown: what funds each year, where shortfalls appear, which assumptions drive the result, and what changed since your last saved plan.
2027
Sign up to inspect this year
2035
Sign up to inspect this year
2043
Sign up to inspect this year
2051
Sign up to inspect this year
Easier in Tablewealth
Same planning model, less manual entry.
This public calculator gives you a fast manual estimate. In Tablewealth Plan, synced and manually tracked accounts feed the model directly, and the advanced planning details stay attached to your workspace.
Synced balancesSaved assumptionsSpouse and household detailsMilestone expensesHealthcare and tax detailYear-by-year projection
This public model estimates retirement outcomes from manually entered balances, income, spending, and market assumptions. It does not save your plan, pull live account balances, maintain spouse and household detail, model every milestone or tax edge case, or replace a detailed review of household-specific decisions.
Retirement planning
Are simple retirement calculators reliable?
A retirement calculator is best used as a fast planning lens, not as a final answer. It can show whether your savings rate, retirement age, spending, Social Security, and investment assumptions appear directionally reasonable.
The tradeoff is that every simple model compresses real life. Taxes, healthcare, market volatility, account types, family needs, debt, home equity, and changing goals can all affect the result. Treat the output as a starting point for better questions and ongoing planning.
What is the difference between a simple retirement calculator and a complete retirement plan?
A plan gives you an operating system
A full plan should connect assets, income, spending, taxes, account types, insurance, debt, home equity, and household goals into one living view.
How do you build a complete retirement plan?
A useful retirement plan starts with the simple question the calculator answers, then adds the details that turn an estimate into a decision-making tool.
Use a simple calculator for a first pass
Start with a fast estimate to understand whether your current savings, spending, income, and timing assumptions are in the right neighborhood.
Build a full household plan
A complete plan should model income, expenses, account types, taxes, healthcare, insurance, debt, home equity, family goals, and estate considerations together.
Update the plan as life changes
Retirement planning is not a one-time calculation. Revisit the plan when markets move, income changes, spending changes, tax law changes, or your goals shift.
Get professional help when decisions are high stakes
A qualified financial, tax, or legal professional can help with withdrawal sequencing, Roth conversions, Medicare choices, estate planning, and other decisions where details matter.
What are the benefits of having a complete retirement plan?
More confidence
A written plan gives you a clearer view of what has to happen, what could go wrong, and which choices are most likely to improve the outcome.
Better tradeoff decisions
A plan lets you compare scenarios such as working longer, spending less, delaying Social Security, changing investments, downsizing, or saving more.
Fewer blind spots
A complete plan can surface risks that a quick calculator may miss, including taxes, healthcare, inflation, survivor needs, and large one-time expenses.
Inputs that matter
How retirement calculator inputs change your projection
Retirement estimates are sensitive because many assumptions compound over decades. These are the inputs worth checking before you rely on any result.
Current age, retirement age, and longevity
These dates set the number of years you have to save and the number of years your portfolio may need to fund. Small age changes can materially change the estimate.
Savings, contributions, and investment returns
Your starting portfolio, annual contributions, expected return, inflation, and volatility assumptions drive the projected balance before and after retirement.
Retirement spending and healthcare
Annual spending, pre-Medicare healthcare, Medicare premiums, and one-time milestone expenses help turn a generic retirement number into a more useful household estimate.
Social Security and other income
Social Security, pensions, part-time income, rental income, and other expected cash flows reduce how much must come from savings each year.
Taxes and withdrawal drag
A pre-tax portfolio share, withdrawal tax rate, and required minimum distribution setting help approximate how taxes can affect retirement cash flow.
Spouse or partner assumptions
Optional spouse inputs account for different ages, retirement dates, Social Security timing, contributions, and life expectancies in one household projection.
Planning questions
Six retirement questions worth answering carefully
How much do I need to retire?
The answer depends on spending, timing, longevity, taxes, healthcare, inflation, investment returns, and retirement income. A calculator can turn those assumptions into a target, but the target should be revisited as life changes.
When can I retire?
Retirement timing is a balance between money, health, work flexibility, family needs, and what you want your time to look like. Financially, the key question is whether income and assets can support spending through the full planning horizon.
How long will my money last?
Portfolio longevity depends on withdrawals, market returns, inflation, taxes, and the order in which accounts are used. This calculator includes deterministic and Monte Carlo-style views so you can compare a single estimate with a range of outcomes.
How much retirement income will I need?
Many households spend differently across retirement. Housing, travel, family support, healthcare, and taxes can all shift over time, so it helps to model annual spending instead of relying on one rule of thumb.
What is my retirement gap?
Your gap is the difference between projected assets at retirement and the estimated target needed to fund future withdrawals. A shortfall does not automatically mean retirement is impossible, but it shows which assumptions deserve more attention.
What tradeoffs should I test?
Try changing retirement age, annual contributions, spending, Social Security timing, investment return, healthcare costs, and one-time expenses. Scenario testing is often more useful than chasing one perfect answer.
Common questions
Retirement Calculator
What does this retirement calculator estimate?
It estimates whether current savings, future contributions, retirement spending, Social Security, other income, healthcare costs, tax drag, and return assumptions may support a chosen retirement age.
Is a simple retirement calculator reliable?
A simple retirement calculator can be useful for a quick directional estimate, but it should not be treated as a complete financial plan. Results depend heavily on assumptions and simplified inputs.
What inputs matter most in a retirement calculator?
The most sensitive inputs are current age, retirement age, current savings, future contributions, annual spending, retirement income, inflation, expected return, volatility, healthcare costs, taxes, and life expectancy.
Does this retirement calculator include taxes and healthcare?
It includes simplified inputs for withdrawal tax drag, pre-Medicare healthcare, Medicare premiums, and required minimum distribution tax drag, but it does not replace detailed tax, Medicare, ACA, or withdrawal sequencing analysis.
Can I use this calculator for a couple?
Yes. The calculator includes optional spouse inputs for age, retirement age, contribution, Social Security, and life expectancy so the estimate can better reflect a two-person household.
What is the difference between this and full retirement planning software?
This page gives a fast public estimate. A full planning workflow can connect accounts, update balances, model account-level taxes and withdrawals, compare scenarios, and track the plan over time.
Disclosures
How to read retirement projections
The public calculator models manually entered balances, contributions, retirement spending, Social Security timing, other income, planned one-time spending, healthcare estimates, tax drag, and Monte Carlo return bands.
It is still a simplified educational estimate. It does not model account-by-account withdrawal rules, detailed tax brackets, required minimum distributions, full Medicare or ACA plan selection, or every household-specific planning detail. This calculator is for informational purposes only and is not financial, investment, tax, accounting, or legal advice.