Retirement calculator

Enter your current portfolio, savings, spending, and return assumptions to estimate whether your retirement plan is on track.

Inputs

Plan assumptions

Tune the public model manually here. Tablewealth can prefill synced balances and account-level assumptions from your workspace.

Timeline

Current ageRetirement ageLife expectancySpending curve

Household and spouse

Include spouse or partnerSpouse current ageSpouse retirement ageSpouse life expectancySpouse annual contributionsSpouse Social SecuritySpouse SS start age

Balances and savings

Current portfolioAnnual contributionsPre-tax portfolio share

Income and spending

Annual retirement spendingAnnual Social SecuritySocial Security start ageOther annual incomeOther income startOther income endPension annual incomePension start agePension end age

Milestone spending and windfalls

MilestoneTypeAmountAge

Healthcare estimates

Pre-Medicare healthcareMedicare ageMonthly Medicare premium

Markets, taxes, and simulations

Expected return

Inflation

Portfolio volatility

Withdrawal tax rate

Model RMD tax dragRMD start ageMonte Carlo simulations

At retirement

$2.5M

Target balance

$2.7M

Monte Carlo success

27%

Median simulation10th percentile90th percentileBase plan

Years to retirement

Retirement surplus

-$179K

Median depletion

Age 78

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

Try Tablewealth

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.

Common questions

Retirement Calculator

What does this retirement calculator estimate?

It estimates whether current savings, future contributions, spending needs, Social Security, and return assumptions may support retirement timing.

Does it account for taxes and healthcare?

It includes simplified inputs for tax drag and healthcare, but it does not replace detailed planning for tax brackets, Medicare, ACA coverage, or withdrawal sequencing.

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.