Can you afford to retire?
See how long your savings may last, what could create a gap, and which single change may improve the plan—without pretending one forecast is certain.
Start with the money you are building.
A retirement runway, not a magic score.
The calculator grows retirement-designated assets to your planned retirement age, then models each year of income, essential spending, discretionary spending, housing, healthcare, debt, and optional support costs.
- Build the asset pool.Retirement accounts and designated savings grow using a real return.
- Run annual cash flow.Social Security and other income begin only at their stated ages.
- Stress the assumptions.Compare Conservative, Baseline, and Favorable results without attaching probabilities.
Frequently asked questions
Are these results shown in future dollars?
No. The calculator shows results in today's dollars and uses inflation-adjusted real returns so the amounts can be compared with current costs.
Does the calculator use the 4% rule?
No. It uses an annual deterministic cash-flow model from retirement through the selected planning age.
Are the three scenarios probabilities?
No. Conservative, Baseline, and Favorable are sensitivity scenarios. They do not represent probabilities or a forecast of success.
What happens if I do not know my Social Security estimate?
You can continue with Social Security excluded. The result is clearly labeled because the projected gap may be materially overstated.
This MVP does not model account-specific taxes, tax-aware withdrawals, Monte Carlo probabilities, Social Security claiming optimization, account connections, or personalized investment recommendations.