Free planning tool

Retirement projection calculator

See how savings, spending, Social Security, and time could shape your plan. Start with the sample values, then replace them with your own.

No account or bank connection
Every assumption remains visible
Educational estimate, not advice

Quick projection

Enter one person's planning assumptions

Sample values shown

Who are you planning for?

One personTwo people

Planning timeline

Current ageRetirement agePlan through age

Income, spending, and savings

Annual gross incomeBefore taxes and payroll deductions.Annual take-home incomeIncome available after taxes and deductions.Annual spendingInclude housing and recurring expenses.Estimate from a CSV or OFX statementCurrent retirement savingsCombined balance used for this quick estimate.

Social Security and workplace saving

Estimated annual Social SecurityUse your current SSA estimate if available.Social Security start ageEmployee contributionPercent of gross income saved each year.Employer matchup toExample: 100% match up to 6% of pay.

Projection assumptions

These are editable estimates, not promises or recommendations.

Annual returnInflationRetirement income taxRetirement spendingOf current spending.

Planning tools

Continue with the question you have.

Each tool works without a bank connection and explains the assumptions it uses.

Explore a multi-year account drawdownSee taxable, tax-deferred, and Roth balances alongside modeled RMD, tax, IRMAA, and spending changes.Build a multi-year scenario Run a guided retirement checkupBuild a baseline and compare one bounded planning change at a time.Start the checkup Estimate spending from a statementReview CSV, OFX, or QFX activity locally in your browser before using an annual estimate.Review spending Compare Social Security timingUse estimates from your own Social Security Statement to compare three claiming ages.Compare claiming ages Check Social Security tax thresholdsScreen federal combined-income thresholds with visible inputs and limitations.Run the tax check Estimate a 2026 IRA RMDCalculate an owner RMD starting point from the prior year-end IRA balance.Estimate an RMD

Start with the retirement rule you need to understand.

Each guide leads with a direct answer, cites primary sources, and keeps educational boundaries visible.

What counts as Medicare MAGI for 2026 IRMAA?Review the two-year lookback, filing-status thresholds, Part B and Part D adjustments, and SSA-44 appeal boundary.Read guide Are Roth IRA contributions tax deductible?Compare Roth and traditional IRA contribution, deduction, income, basis, and deadline rules for 2026.Read guide How do 2026 federal tax brackets affect retirement income?Separate taxable income, marginal rates, Social Security, IRA withdrawals, capital gains, deductions, and credits.Read guide Who has a required minimum distribution in 2026?Check RMD ages, deadlines, life-expectancy tables, account aggregation, and beneficiary-rule boundaries.Read guide

Methodology

A deterministic starting point, with the inputs in view.

The calculator applies one annual return and inflation assumption across the selected timeline. It adds modeled savings while working and compares projected retirement income with spending after retirement.

Two-person mode models separate ages, wages, retirement dates, Social Security estimates, and workplace contributions on one household balance. It does not yet model market sequence risk, account-specific tax treatment, Medicare, or required minimum distributions.

Read the full methodology and limitations

Privacy

Manual inputs first.

Your draft is saved only in this browser. Anonymous inputs are sent to the RetireStride calculation API when you run a projection and are not stored as a plan unless you create an account and choose Save this plan.

No bank login, Plaid connection, payment method, or Social Security number is requested.

Read the Privacy Notice