Bridge phase
Guaranteed income--
Portfolio funds--
How much do I need to retire?
The Retirement Number Calculator.
How much do you actually need saved to retire? We subtract Social Security and any pension first, then show what your investable portfolio has to cover in today's dollars.
Your retirement plan
SSA estimate: --
Contributions are yours plus any employer match, in today's dollars. Spending is your total living expenses in retirement, in today's dollars.
Asset Allocation
Portfolio real return: --
Drag the dividers to set your allocation. Each asset uses historical real returns.
--
Your retirement number
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Projected at retirement--
Amount above that--
What Refined FI changed--
Build phase
Bridge drawdown
Post-income drawdown
Shortfall
Retirement number
Refined FI Portfolio recommendation
Retirement
Your plan
Inputs and detailed math
Your inputs
The arithmetic
Portfolio income needed--
Target planning age--
Current contributions--
Annual expenses--
Guaranteed income--
Real return input--
Burn rate at retirement
Income bridge
How your portfolio builds before retirement, then carries the plan before and after guaranteed income starts.
Income phase
Guaranteed income--
Portfolio funds--
What this calculation assumes
Method: The calculator solves for the portfolio required when you retire to fund the annual spending gap through the selected planning horizon. Spending, contributions, and guaranteed income are real, today-dollar figures. Contributions continue until your retirement age. Guaranteed income begins at the entered start age. Earned income and survivor-benefit changes are not modeled.
Return inputs: stocks --, bonds --, cash --, gold -- real, Siegel's 1802–2021 long-run real averages.
Life expectancy: SSA life table from the -- Trustees Report, every age 0–119 (table year --)
(ssa.gov source;
all Trustees Reports).
Male and Female values are taken directly from the SSA-published table.
The Refined FI portfolio line: the same savings, contributions, spending and ages, run through the Refined FI portfolio for your stage on our server. Its holdings and return are not shown here.
This is a planning illustration based on historical averages, actual returns will vary and may differ materially from these long-run figures.
Educational tool, not financial advice.
Educational purposes only.
This tool is for general education and scenario testing. It is not retirement advice, investment advice, financial advice, tax advice, or legal advice. Results are estimates based on historical market data and the inputs you enter. They do not predict future returns, guarantee outcomes, or account for your full financial situation. Before making retirement, investment, withdrawal, or tax decisions, consult a qualified professional who understands your specific circumstances. Past performance does not guarantee future results. You may lose money.