Beyond Napkin Math Educational use only, not financial advice.

Retirement Plan Explorer

Runs in your browser; we don't store what you enter. All figures are in today's dollars; every return and raise is a real (after-inflation) rate, so a dollar here means the same thing in every year of the projection.

Your plan

Quick start

Fill in these eight and you have a plan. Everything else starts from typical assumptions; open the sections below to fine-tune.

$
$
$
$
$
$
Pay and taxes
%
$
$
$
%
%
$
%
Home, health and family costs
$
$
$
$
%
$

Property tax, insurance and upkeep outlive the mortgage, so they stay in your retirement budget too.

More about your savings
$
Contributions can come out before the access age without penalty; growth can't.
$
Retirement details
$
ACA family cover, pre-Medicare. Enhanced subsidies lapsed at the end of 2025.
%
Earlier if you leave a job at 55 or later (the Rule of 55) or use a 72(t) plan.
$
Costs that stop once you can use retirement accounts. Don't repeat healthcare already entered above.
Social Security
$
Your actual earnings record and benefit estimate are at ssa.gov.
$
Returns and withdrawal rate
%
%
%
Advanced
$
$
$
%
%

Portfolio versus what you need

Portfolio balance Total contributed Needed to retire that year Crossover

Projected portfolio balance against the amount needed to retire, by year. The full figures are in the year-by-year table below.

If the returns don't cooperate

Retirement date under different sequences of investment returns
Scenario Balance at target date Retires vs. plan

Guides for this tool
How much do you need to retire early?
More free tools
Rental Property AnalyzerSee all tools →
How it works
Methodology for this toolSources and updates
Educational use only, not financial advice. Use at your own risk.About · Methodology · Sources · Contact · Terms · Privacy · © 2026 Beyond Napkin Math