Retirement calculator
Will my money last?
Seven numbers from your own life. It shows the monthly gap, how long your savings could cover it, and what it would take to reach 95. Nothing you type leaves this page.
What the answer means
Three numbers, and what to do with each.
The gap
The part of each month that steady income does not cover. It is the number every retirement plan is really about. Some of it can be made steady too, with a pension, an annuity or waiting longer to claim Social Security, and that is worth a conversation.
How long it lasts
If the savings run out before your late eighties, that is not a verdict. It is the most useful thing a calculator can tell you, because it is early enough to change.
What 95 would take
Many people now live well into their nineties, and women longer than men. Planning to 95 is not pessimism. It is what running out at 84 feels like, avoided.
What it leaves out
On purpose, and so you know.
- Taxes. Money from a traditional 401(k) or IRA is taxed when it comes out; a Roth usually is not.
- Health care and long term care, which rise faster than most prices.
- The order of good and bad years. The same average can end very differently.
- Big one-off costs: a roof, a car, helping a child.
- A spouse's income or a survivor's benefit, if you add them to one total or leave them out.
A number is a start.
What it means for you is a conversation.
Whether you are getting ready to retire, already retired, or thinking about your family's future, it starts with a conversation.
No pressure. No obligation. Just answers.