Forecasting the ledger…
A retirement calculator with the math showing. Project the nest egg to retirement, then the safe annual income it can support — in today’s dollars, with the full drawdown schedule.
Enter your age, your current balance, and how much you save each month. We’ll project the portfolio forward, apply a safe withdrawal rate, and tell you the annual income it supports in today’s dollars — plus how long the money lasts.
| Age | Contributions | Growth | Ending (nominal) | Ending (real) |
|---|---|---|---|---|
| 36 | $12,000.00 | $4,007.09 | $66,007.09 | $64,397.16 |
| 37 | $12,000.00 | $5,164.24 | $83,171.33 | $79,163.67 |
| 38 | $12,000.00 | $6,405.05 | $101,576.38 | $94,323.77 |
| 39 | $12,000.00 | $7,735.55 | $121,311.93 | $109,902.62 |
| 40 | $12,000.00 | $9,162.23 | $142,474.16 | $125,926.40 |
| 41 | $12,000.00 | $10,692.05 | $165,166.22 | $142,422.31 |
| 42 | $12,000.00 | $12,332.46 | $189,498.68 | $159,418.65 |
| 43 | $12,000.00 | $14,091.46 | $215,590.14 | $176,944.87 |
| 44 | $12,000.00 | $15,977.61 | $243,567.76 | $195,031.61 |
| 45 | $12,000.00 | $18,000.12 | $273,567.88 | $213,710.79 |
| 46 | $12,000.00 | $20,168.83 | $305,736.71 | $233,015.63 |
| 47 | $12,000.00 | $22,494.32 | $340,231.02 | $252,980.78 |
| 48 | $12,000.00 | $24,987.91 | $377,218.94 | $273,642.30 |
| 49 | $12,000.00 | $27,661.77 | $416,880.71 | $295,037.81 |
| 50 | $12,000.00 | $30,528.93 | $459,409.63 | $317,206.53 |
| 51 | $12,000.00 | $33,603.34 | $505,012.98 | $340,189.33 |
| 52 | $12,000.00 | $36,900.01 | $553,912.99 | $364,028.88 |
| 53 | $12,000.00 | $40,435.00 | $606,347.99 | $388,769.66 |
| 54 | $12,000.00 | $44,225.53 | $662,573.52 | $414,458.10 |
| 55 | $12,000.00 | $48,290.08 | $722,863.60 | $441,142.65 |
| 56 | $12,000.00 | $52,648.45 | $787,512.06 | $468,873.88 |
| 57 | $12,000.00 | $57,321.90 | $856,833.95 | $497,704.57 |
| 58 | $12,000.00 | $62,333.18 | $931,167.13 | $527,689.84 |
| 59 | $12,000.00 | $67,706.73 | $1,010,873.86 | $558,887.25 |
| 60 | $12,000.00 | $73,468.74 | $1,096,342.60 | $591,356.88 |
| 61 | $12,000.00 | $79,647.28 | $1,187,989.88 | $625,161.53 |
| 62 | $12,000.00 | $86,272.47 | $1,286,262.35 | $660,366.74 |
| 63 | $12,000.00 | $93,376.59 | $1,391,638.95 | $697,041.03 |
| 64 | $12,000.00 | $100,994.28 | $1,504,633.23 | $735,255.96 |
| 65 | $12,000.00 | $109,162.64 | $1,625,795.87 | $775,086.29 |
| Age | Withdrawal (nominal) | Withdrawal (real) | Growth | Ending (nominal) | Ending (real) |
|---|---|---|---|---|---|
| 65 | $65,031.83 | $65,031.83 | $78,038.20 | $1,638,802.24 | $1,598,831.45 |
| 66 | $66,657.63 | $65,031.83 | $78,607.23 | $1,650,751.84 | $1,571,209.36 |
| 67 | $68,324.07 | $65,031.83 | $79,121.39 | $1,661,549.15 | $1,542,913.56 |
| 68 | $70,032.17 | $65,031.83 | $79,575.85 | $1,671,092.83 | $1,513,927.63 |
| 69 | $71,782.98 | $65,031.83 | $79,965.49 | $1,679,275.34 | $1,484,234.71 |
| 70 | $73,577.55 | $65,031.83 | $80,284.89 | $1,685,982.68 | $1,453,817.58 |
| 71 | $75,416.99 | $65,031.83 | $80,528.28 | $1,691,093.98 | $1,422,658.57 |
| 72 | $77,302.42 | $65,031.83 | $80,689.58 | $1,694,481.14 | $1,390,739.58 |
| 73 | $79,234.98 | $65,031.83 | $80,762.31 | $1,696,008.47 | $1,358,042.08 |
| 74 | $81,215.85 | $65,031.83 | $80,739.63 | $1,695,532.25 | $1,324,547.08 |
| 75 | $83,246.25 | $65,031.83 | $80,614.30 | $1,692,900.30 | $1,290,235.13 |
| 76 | $85,327.40 | $65,031.83 | $80,378.65 | $1,687,951.55 | $1,255,086.31 |
| 77 | $87,460.59 | $65,031.83 | $80,024.55 | $1,680,515.51 | $1,219,080.19 |
| 78 | $89,647.10 | $65,031.83 | $79,543.42 | $1,670,411.82 | $1,182,195.88 |
| 79 | $91,888.28 | $65,031.83 | $78,926.18 | $1,657,449.72 | $1,144,411.94 |
| 80 | $94,185.49 | $65,031.83 | $78,163.21 | $1,641,427.45 | $1,105,706.45 |
| 81 | $96,540.12 | $65,031.83 | $77,244.37 | $1,622,131.69 | $1,066,056.93 |
| 82 | $98,953.63 | $65,031.83 | $76,158.90 | $1,599,336.96 | $1,025,440.34 |
| 83 | $101,427.47 | $65,031.83 | $74,895.47 | $1,572,804.97 | $983,833.10 |
| 84 | $103,963.15 | $65,031.83 | $73,442.09 | $1,542,283.91 | $941,211.05 |
| 85 | $106,562.23 | $65,031.83 | $71,786.08 | $1,507,507.76 | $897,549.44 |
| 86 | $109,226.29 | $65,031.83 | $69,914.07 | $1,468,195.54 | $852,822.92 |
| 87 | $111,956.95 | $65,031.83 | $67,811.93 | $1,424,050.52 | $807,005.50 |
| 88 | $114,755.87 | $65,031.83 | $65,464.73 | $1,374,759.39 | $760,070.58 |
| 89 | $117,624.77 | $65,031.83 | $62,856.73 | $1,319,991.35 | $711,990.91 |
| 90 | $120,565.39 | $65,031.83 | $59,971.30 | $1,259,397.26 | $662,738.57 |
| 91 | $123,579.52 | $65,031.83 | $56,790.89 | $1,192,608.63 | $612,284.94 |
| 92 | $126,669.01 | $65,031.83 | $53,296.98 | $1,119,236.60 | $560,600.75 |
| 93 | $129,835.73 | $65,031.83 | $49,470.04 | $1,038,870.91 | $507,655.96 |
| 94 | $133,081.63 | $65,031.83 | $45,289.46 | $951,078.74 | $453,419.83 |
Most retirement calculators pick a side — they either stop at the accumulation phase (here’s how big your nest egg will be!) or they dive straight into drawdown (enter your balance and we’ll tell you how long it lasts). Real retirement planning is one continuous curve: you accumulate, then you decumulate, and the handoff matters more than either half in isolation. This one runs both phases end-to-end, reports the safe annual income in today’s dollars (because a $4M nest egg at 2.5% inflation over 30 years is mentally a very different number than it sounds), and shows you exactly when the balance hits zero if your assumptions turn sour. The retire-later sensitivity strip answers the single most consequential retirement question: what does one more year of working actually buy me? Nothing leaves your browser.