Retirement Planner

Understand your retirement trajectory · Model spending · Explore CoastFIRE
Profile ▶
Portfolio Today ▶
Annual Contributions ▶
Assumptions ▶
Tax rate grosses up your spending target to cover withdrawals. 401k = ordinary income; Roth = tax-free; brokerage = capital gains. ~18% is a reasonable blended starting point.
Income in Retirement ▶
Social Security, pension, rental income, etc. Reduces portfolio withdrawals from start age onward. Inflates at 3%/yr. Get your SS estimate at ssa.gov.
Monthly Expenses ▶
Monthly amount · Inflation %/yr · End age (blank = never ends)
Total Portfolio
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Monthly Spend
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Annual Spend
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Retirement Target
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Annual Gross Withdrawal
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Contributions / yr
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Optimistic
10%
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—
Base Case
7%
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—
Conservative
4%
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—
Toggle scenarios:
Optimistic
Base
Conservative
Portfolio vs CoastFIRE Thresholds
— Solid line: your portfolio if you keep contributing until retirement
- - Dashed line: coast threshold — amount needed to stop contributing & still retire on time
— Gold line: your FI number (target portfolio size at retirement)
High
Med
Low
FI #
Portfolio Balance in Retirement
Vertical lines show when income starts or spending drops
High
Med
Low
Spending by Phase
Today's $
Nominal $
Showing today's dollars — what each expense feels like now. Toggle to see future nominal amounts.