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Retirement toolkit

Corpus · savings · scenarios · FIRE

Retirement Planning Guide + Calculator

Use the tool below, then read the guide for a grounded explanation of how corpus targets, inflation, and portfolio withdrawals fit together.

Retirement inputs

Results update live. Spending is in today’s dollars; we inflate to your retirement age for nominal needs. Educational only — not personalized advice.

Often discussed around 4% for planning — adjust for your comfort and horizon.

Used for sustainability and drawdown timing (conservative default).

What-if scenarios

Instantly compare a second path: bump contributions, retire later, or change return assumptions.

Scenario projected balance at retirement

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Growth visualization

Nominal balance vs inflation-adjusted (today’s dollars) to highlight compounding and purchasing power.

Nominal Real value

Step-up investment planner

Increase contributions each year (raise, bonus discipline, lifestyle smoothing).

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Tax impact (simple)

Approximate after-tax compounding and monthly income net of tax on withdrawals.

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Expense breakdown planner

Allocate your retirement monthly need across categories (percentages should sum near 100%).

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Saved scenarios (local)

Stored in your browser only. Click an item to reload inputs.

A practical retirement planning framework

Start with spending, not headlines. Estimate monthly needs in today’s dollars, inflate to your planned retirement age for nominal planning, then stress-test withdrawal rates. Add longevity and healthcare as separate mental buckets — they are often underestimated.

Safe withdrawal rates (what the 4% discussion means)

A withdrawal rate is the share of portfolio value you plan to spend each year. Popular research often cites ~4% as a starting conversation point for 30-year horizons, but your sustainable rate depends on returns sequence, spending flexibility, and how long retirement lasts. Treat it as a planning anchor, not a promise.

Taxes and net income

Pre-tax return assumptions overstate spendable growth. A simple post-tax return adjustment helps approximate net compounding when you want a clearer picture of after-tax retirement income.

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