Your Retirement Picture
Enter your details below. We'll model pre-retirement and post-retirement income separately for each claiming age scenario.
About You
For a couple, enter combined SS and total household spending.
For couples, use the younger spouse's age.
Calculated automatically from your birth year.
Couples: plan to the longer-lived spouse's likely age.
Social Security
From your SSA statement.
Your full benefit at Full Retirement Age.
Maximum delayed benefit.
Historical SS COLA average ~2.6%.
Income Before Retirement
Salary, wages, or self-employment while still working.
Rental, part-time work, etc. before you retire.
Before you retire, your savings simply grow at your investment return rate — your earned income covers your living expenses during those years. For example, if you're 60 and retiring at 67, your savings compound for 7 years before retirement spending begins.
Income After Retirement
Pension, rental, part-time work, etc. after retiring.
Total annual expenses. Both spending and SS will grow with COLA each year.
Savings & Returns
Total investable assets — 401k, IRA, brokerage, etc.
Conservative estimate: 4–5% for a balanced portfolio.
📊 Your Retirement Sustainability Analysis
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Year-by-Year Detail
Italicized rows = pre-retirement years. Orange = savings running low. Red = depleted.
How this works: Pre-retirement years: your savings grow at the assumed investment return rate — your earned income is assumed to cover living costs during those years, so no spending is drawn from savings yet. At retirement, SS starts and spending begins. Both SS and annual spending grow at the COLA rate each year — keeping the model realistic since inflation affects costs the same way it adjusts benefits. All values are nominal dollars. Actual results depend on market performance, taxes, health costs, and spending changes.
This tool is for educational planning purposes only. It is not financial advice. Consult a financial advisor for personalized retirement planning.