1. Start with spending
The calculator begins with the amount you expect to spend in retirement. That number matters more than a vague target age because retirement is really a spending problem first.
Guide
Retirement planning basics.
This guide explains the core inputs behind the calculator so you can tell whether the result is useful for your situation.
2. Add contributions and returns
Current savings and monthly contributions determine how fast your portfolio can grow before retirement. The expected return is just an assumption, not a promise.
3. Check the margin of safety
The Monte Carlo success rate shows how often the plan survives under different market paths. A higher score gives more cushion, but it still depends on your assumptions.
Use the calculator with real inputs
Enter your actual spending, savings, and contribution rate. Then use the calculator output as a conversation starter, not a final answer.
Return to the calculator