Overview

Monthly income

Monthly expenses

healthcare included

Surplus / gap

Coverage

Income

Sources of income in retirement, in today's dollars. Pensions/rental/part-time are assumed to keep up with inflation.

Total monthly income (non-investment)

What you expect to spend each month in retirement, in today's dollars.

Total monthly expenses

Estimate your benefit at Full Retirement Age (67), then pick a claiming age. Adjusts the estimate up or down.

Estimated benefit at FRA (67) — today's $

Spousal benefit, if any — today's $

62 (−33%)67 (FRA)70 (+24%)

Estimated monthly benefit at age

Simplified adjustment: −5/9% per month before FRA (≈6.7%/yr), +8%/yr delayed credit after 67.

Forward-looking projection only — no account tracking. Set a starting balance estimate and monthly investing, and see where it lands.

Starting balance estimate

Planned monthly investing

Projected savings at

Monthly income from savings

Contributions grow with inflation; growth is the real (after-inflation) return. Tune rates in Settings.

Expected healthcare costs in retirement, in today's dollars (premiums, copays, long-term care).

Monthly premium (Medicare / plan)

Monthly out-of-pocket / copays

Long-term care, if any

Total monthly healthcare

Estimates only — real costs depend on coverage, location, and age. Revisit as you get closer.

Ongoing support for family, or anything else your money needs to cover.

Total monthly support

Global assumptions the whole page runs on. Everything recalculates instantly.

Current age

Retirement age

Inflation rate (%)

Investment growth (%)

Withdrawal rate (%)

Life expectancy

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