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 quick answers with Tablewealth's retirement calculator. Estimate how much you may need, whether your current savings are on track, how long your money could last, and which assumptions matter most. For a more complete view, use Tablewealth to connect your accounts, track your net worth, and build a living retirement plan around your actual financial life.
Inputs
Plan assumptions
Tune the public model manually here. Tablewealth can prefill synced balances and account-level assumptions from your workspace.
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
Annual schedule
Year-by-year projection
The base plan broken into annual growth, money added, money withdrawn, and the resulting portfolio balance.
| Year | Beginning balance | Projected growth | Contributions | Windfalls | Withdrawals | Ending balance |
|---|---|---|---|---|---|---|
| 2026Age 38 | $450,000 | — | — | — | — | $450,000 |
| 2027Age 39 | $450,000 | +$19,756 | +$30,000 | — | — | $499,756 |
| 2028Age 40 | $499,756 | +$21,941 | +$30,000 | — | — | $551,697 |
| 2029Age 41 | $551,697 | +$24,221 | +$30,000 | — | — | $605,917 |
| 2030Age 42 | $605,917 | +$26,601 | +$30,000 | — | — | $662,519 |
| 2031Age 43 | $662,519 | +$29,086 | +$30,000 | — | — | $721,605 |
| 2032Age 44 | $721,605 | +$31,680 | +$30,000 | — | — | $783,285 |
| 2033Age 45 | $783,285 | +$34,388 | +$30,000 | — | — | $847,673 |
| 2034Age 46 | $847,673 | +$37,215 | +$30,000 | — | — | $914,888 |
| 2035Age 47 | $914,888 | +$40,166 | +$30,000 | — | — | $985,054 |
| 2036Age 48 | $985,054 | +$43,246 | +$30,000 | — | — | $1,058,300 |
| 2037Age 49 | $1,058,300 | +$46,462 | +$30,000 | — | — | $1,134,762 |
| 2038Age 50 | $1,134,762 | +$49,819 | +$30,000 | — | — | $1,214,581 |
| 2039Age 51 | $1,214,581 | +$53,323 | +$30,000 | — | — | $1,297,904 |
| 2040Age 52 | $1,297,904 | +$56,981 | +$30,000 | — | — | $1,384,885 |
| 2041Age 53 | $1,384,885 | +$60,800 | +$30,000 | — | — | $1,475,685 |
| 2042Age 54 | $1,475,685 | +$64,786 | +$30,000 | — | — | $1,570,471 |
| 2043Age 55 | $1,570,471 | +$68,948 | +$30,000 | — | — | $1,669,419 |
| 2044Age 56 | $1,669,419 | +$73,292 | +$30,000 | — | — | $1,772,710 |
| 2045Age 57 | $1,772,710 | +$77,826 | +$30,000 | — | — | $1,880,537 |
| 2046Age 58 | $1,880,537 | +$82,560 | +$30,000 | — | — | $1,993,097 |
| 2047Age 59 | $1,993,097 | +$87,502 | +$30,000 | — | — | $2,110,599 |
| 2048Age 60 | $2,110,599 | +$92,660 | +$30,000 | — | — | $2,233,259 |
| 2049Age 61 | $2,233,259 | +$98,046 | +$30,000 | — | — | $2,361,305 |
| 2050Age 62Retirement | $2,361,305 | +$103,667 | +$30,000 | — | — | $2,494,972 |
| 2051Age 63 | $2,494,972 | +$109,535 | — | — | −$162,442 | $2,442,065 |
| 2052Age 64 | $2,442,065 | +$107,213 | — | — | −$165,985 | $2,383,292 |
| 2053Age 65 | $2,383,292 | +$104,632 | — | — | −$151,436 | $2,336,488 |
| 2054Age 66 | $2,336,488 | +$102,578 | — | — | −$155,158 | $2,283,907 |
| 2055Age 67 | $2,283,907 | +$100,269 | — | — | −$115,195 | $2,268,981 |
| 2056Age 68 | $2,268,981 | +$99,614 | — | — | −$119,105 | $2,249,490 |
| 2057Age 69 | $2,249,490 | +$98,758 | — | — | −$123,113 | $2,225,135 |
| 2058Age 70 | $2,225,135 | +$97,689 | — | — | −$177,222 | $2,145,602 |
| 2059Age 71 | $2,145,602 | +$94,197 | — | — | −$131,433 | $2,108,367 |
| 2060Age 72 | $2,108,367 | +$92,562 | — | — | −$135,749 | $2,065,180 |
| 2061Age 73 | $2,065,180 | +$90,666 | — | — | −$140,173 | $2,015,673 |
| 2062Age 74 | $2,015,673 | +$88,493 | — | — | −$144,708 | $1,959,458 |
| 2063Age 75 | $1,959,458 | +$86,025 | — | — | −$149,356 | $1,896,127 |
| 2064Age 76 | $1,896,127 | +$83,245 | — | — | −$154,121 | $1,825,251 |
| 2065Age 77 | $1,825,251 | +$80,133 | — | — | −$159,004 | $1,746,379 |
| 2066Age 78 | $1,746,379 | +$76,670 | — | — | −$164,010 | $1,659,039 |
| 2067Age 79 | $1,659,039 | +$72,836 | — | — | −$169,141 | $1,562,735 |
| 2068Age 80 | $1,562,735 | +$68,608 | — | — | −$174,400 | $1,456,943 |
| 2069Age 81 | $1,456,943 | +$63,963 | — | — | −$179,790 | $1,341,116 |
| 2070Age 82 | $1,341,116 | +$58,878 | — | — | −$185,316 | $1,214,678 |
| 2071Age 83 | $1,214,678 | +$53,327 | — | — | −$190,979 | $1,077,027 |
| 2072Age 84 | $1,077,027 | +$47,284 | — | — | −$196,784 | $927,527 |
| 2073Age 85 | $927,527 | +$40,721 | — | — | −$202,734 | $765,513 |
| 2074Age 86 | $765,513 | +$33,608 | — | — | −$208,833 | $590,288 |
| 2075Age 87 | $590,288 | +$25,915 | — | — | −$215,084 | $401,118 |
| 2076Age 88 | $401,118 | +$17,610 | — | — | −$221,492 | $197,236 |
| 2077Age 89 | $197,236 | +$8,659 | — | — | −$228,060 | $0 |
| 2078Age 90 | $0 | — | — | — | −$234,792 | $0 |
| 2079Age 91 | $0 | — | — | — | −$241,692 | $0 |
| 2080Age 92 | $0 | — | — | — | −$248,765 | $0 |
Easier in Tablewealth
Same planning model, less manual entry.
This public calculator lets you enter the planning assumptions yourself. In Tablewealth, synced and manually tracked accounts feed the calculator directly, and you can maintain account-level balances and account-specific assumptions without rebuilding the model by hand.
Synced balancesManual public inputsAccount-level balances in appAccount-specific assumptions in appAdvanced planning stays publicMonte Carlo stays public
This public model estimates retirement outcomes from manually entered balances, income, spending, healthcare, tax, and volatility assumptions. It does not replace personalized planning, and it does not pull live account balances, maintain separate account-level assumptions, or replace a detailed review of household-specific edge cases.
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.