Estimate how much you may need to retire, whether your portfolio could support your desired income, and how stocks, dividends, inflation, and withdrawals may affect your retirement plan.
Enter your assumptions to estimate your retirement readiness.
This table summarizes your estimated portfolio growth before retirement and drawdown after retirement.
| Age | Phase | Portfolio Value | Annual Contribution | Annual Withdrawal | Dividend Income | Real Value |
|---|
This tool estimates your portfolio at retirement using your current investments, monthly contributions, expected annual return, and years until retirement.
It then estimates how much income your portfolio may support using your withdrawal rate, dividend yield, Social Security or pension income, and retirement horizon.
Retirement planning should balance growth, income, risk management, taxes, and lifestyle needs. Stocks can build wealth, but they can also experience large drawdowns.
Use this calculator as an educational planning tool, not as personalized financial advice.
It depends on your desired annual income, withdrawal rate, Social Security or pension income, taxes, inflation, and expected investment returns.
The 4% rule is a retirement guideline suggesting that retirees may withdraw around 4% of their portfolio in the first year of retirement, then adjust for inflation. It is not a guarantee.
Some investors use dividend income as part of retirement cash flow. However, dividends are not guaranteed and should usually be combined with diversification and risk management.
A safe withdrawal rate depends on market returns, inflation, retirement length, asset allocation, taxes, and spending flexibility. Many investors use 3% to 4% as a starting range.
Inflation reduces purchasing power. A portfolio that looks large in nominal dollars may buy less in the future if inflation remains elevated.
You can include estimated Social Security or pension income, but many investors also run conservative scenarios with lower benefits to test their retirement plan.
No. This calculator provides estimates based on your inputs. Real results can differ due to market performance, taxes, inflation, healthcare costs, and personal spending decisions.
Many investors use conservative long-term estimates rather than assuming unusually high returns. A diversified stock-heavy portfolio may have higher expected returns but also higher volatility.
A negative gap suggests your projected portfolio may be below your estimated requirement. You may need to save more, retire later, reduce spending, or adjust expectations.
Many investors review their retirement plan at least once per year or after major life changes such as a new job, marriage, home purchase, market downturn, or retirement date change.
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Results are estimates only and do not constitute investment, tax, legal, or financial advice. Past performance does not guarantee future results.