Retirement calculator

See when your savings can coast.

Estimate the amount you need invested today for your portfolio to grow toward financial independence—and see how your current contributions change the path.

Your inputs

Build your estimate

Results update after you pause typing. Dollar amounts are in today's dollars.

Plan and savings

Current age

Retirement age goal

Current portfolio

Monthly contribution

Annual spending in retirement

The annual lifestyle amount your portfolio and future income need to support.

Future income

Enter annual income in today's dollars and the age you expect it to begin.

Social Security

Annual amount

Start age

Pension

Annual amount

Start age

Part-time or side hustle

Annual amount

Start age

Other income

Annual amount

Start age

Market and contribution assumptions

Small changes can materially affect long-term estimates. These are assumptions, not forecasts.

Contribution growth per year

Safe withdrawal rate

The share of the target portfolio modeled as annual retirement spending.

Expected annual return

Inflation

Your snapshot

With your current contribution path, the model reaches Full FI at age 60, by your age-65 goal.

These estimates use today's dollars and the assumptions you entered.

Key results

What the model says

Coast FI number today: $135,140Amount needed today to coast without new contributions.
At your retirement goal: $2,758,884Projected portfolio at age 65.
Starting monthly amount needed: $611Uses your contribution-growth assumption.
Monthly contribution surplus: $389Amount above the modeled monthly need.
Full FI with contributions: Age 60Calendar year 2061.
Coast FI without contributions: Age 86Analytical age when the current portfolio reaches the target on its own.

Your path

Portfolio and FI target

Projected portfolio reaches the $1,875,000 Full FI target at age 60. The retirement goal is age 65.

View projection data

Annual portfolio projection in today's dollars
Age	Year	Portfolio	FI target
25	2026	$35,000	$1,875,000
26	2027	$49,379	$1,875,000
27	2028	$64,734	$1,875,000
28	2029	$81,134	$1,875,000
29	2030	$98,648	$1,875,000
30	2031	$117,352	$1,875,000
31	2032	$137,327	$1,875,000
32	2033	$158,660	$1,875,000
33	2034	$181,443	$1,875,000
34	2035	$205,774	$1,875,000
35	2036	$231,759	$1,875,000
36	2037	$259,509	$1,875,000
37	2038	$289,146	$1,875,000
38	2039	$320,797	$1,875,000
39	2040	$354,598	$1,875,000
40	2041	$390,697	$1,875,000
41	2042	$429,250	$1,875,000
42	2043	$470,422	$1,875,000
43	2044	$514,392	$1,875,000
44	2045	$561,351	$1,875,000
45	2046	$611,501	$1,875,000
46	2047	$665,060	$1,875,000
47	2048	$722,258	$1,875,000
48	2049	$783,343	$1,875,000
49	2050	$848,580	$1,875,000
50	2051	$918,251	$1,875,000
51	2052	$992,656	$1,875,000
52	2053	$1,072,118	$1,875,000
53	2054	$1,156,980	$1,875,000
54	2055	$1,247,610	$1,875,000
55	2056	$1,344,399	$1,875,000
56	2057	$1,447,766	$1,875,000
57	2058	$1,558,158	$1,875,000
58	2059	$1,676,052	$1,875,000
59	2060	$1,801,959	$1,875,000
60	2061	$1,936,422	$1,875,000
61	2062	$2,080,023	$1,875,000
62	2063	$2,233,384	$1,875,000
63	2064	$2,397,168	$1,875,000
64	2065	$2,572,082	$1,875,000
65	2066	$2,758,884	$1,875,000
66	2067	$2,958,381	$1,875,000
67	2068	$3,171,436	$1,875,000

How this was calculated

Full FI need before income: $1,875,000
Future-income value at retirement: −$0
Adjusted Full FI target: $1,875,000
Real return after inflation: 6.8%

Income offsets

Social Security$0
Pension$0
Part-time or side hustle$0
Other income$0

The model treats your current age as time zero, applies annual contributions at year end, values post-retirement income through age 95, and uses the Fisher equation for real return.