RETIREMENT CALCULATOR

Enter all your values from all your investments and holdings. This will include cash, stocks, savings, investments, and your country's retirement accounts. Pick USA, United Kingdom, or South Africa to switch labels and tax rules. You can also import the values directly from your portfolio holdings. Ask the AI assistant for help if you need help.

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Icon above a field means the value was imported from My Holdings

You

Country

Age now

Retire at

Plan to age

Filing status

Household incomegross per year

What you have today

Balances are what you hold today. Employee and employer contributions, income, and spending are all per year (annual, never monthly).

CashChecking & emergency fund

Balancetoday, not monthly

APYannual

Added per yearper year

SavingsHigh-yield savings & CDs

Balancetoday, not monthly

APYannual

Added per yearper year

InvestmentsIndex funds & ETFs: taxable account

Balancetoday, not monthly

Cost basistotal paid to date

Total returnannual growth of the pot

Of which dividendstaxed yearly, part of return, not extra

Added per yearper year

SharesIndividual stocks: taxable account

Balancetoday, not monthly

Cost basistotal paid to date

Total returnannual growth of the pot

Of which dividendstaxed yearly, part of return, not extra

Added per yearper year

401(k) / Retirement AnnuityPre-tax: 401(k), Traditional IRA & RA; taxed as income on withdrawal

Balancetoday, not monthly

Returnannual

Employee contributionper year

Employer contributionper year

Work PensionEmployer pension / provident: pre-tax; taxed as income on withdrawal

Balancetoday, not monthly

Returnannual

Employee contributionper year

Employer contributionper year

TFSATax-free savings: growth & withdrawals untaxed; capped annual & lifetime contributions

Balancetoday, not monthly

Returnannual

Annual contributionper year

Max annual contributionyearly limit

Lifetime contribution caplifetime max

Lifetime contributed so fartoward the cap

Roth / HSATax-free growth and withdrawals (no contribution caps modelled)

Balancetoday, not monthly

Returnannual

Added per yearper year

Pay & contribution growthannual

Fund feesannual

Market & inflation

Inflationannual

Volatilityannual, for the odds

Retirement

Spending per yearannual after tax, today's money

At retirement the calculator converts your pension pot, a cash lump sum (taxed on the lump-sum table), then a living annuity or a life annuity with the rest.

Cash lump sum

Custom lump sumof RA / pension at retirement

With the rest

Annuity rateof leftover pot, first year

Income thereafter

Social Security / pensionannual, today's money

Starts at age

Taxable portion

Withdrawal order

Tax 2026 federal

Federal brackets, the qualified-dividend and long-term capital gains rates, and the standard deduction are built in and indexed to your inflation assumption each year.

State & local income tax

Net investment income tax

Portfolio at retirement

—

in today's money

Supports spending of

—

per year after tax, today's money

Lifetime tax

—

working life + retirement

Money lasts to

—

on base returns

Odds of lasting

—

1,000 market simulations

Growth on your money

—

total investment gain

At retirement

pension pot conversion

Cash lump sum, same annuity

Annuity, same lump sum

Projection

If returns disappoint

same plan, different markets

Where the tax goes

Tax while you are still working is only the tax caused by the portfolio, interest and dividends stacked on top of your salary, not the tax on the salary itself.

Year by year

Age	Phase	Paid in	Taken out	Growth	Tax	Balance	Balance (today's $)

How this is worked out

Tax. 2026 federal brackets and standard deduction, with qualified dividends and long-term gains stacked on top of ordinary income at the 0/15/20% rates. Brackets and the deduction grow with your inflation assumption; the 3.8% NIIT thresholds do not, because they are not indexed in law. State tax is applied as a flat rate on taxable income.
Accounts. Interest is taxed every year. On taxable investments, Total return is how fast the pot grows. Of which dividends is only the slice of that return paid as dividends. It is taxed every year and is not added on top of Total return. Growth beyond dividends is only taxed when sold, pro-rata against basis. Pre-tax retirement withdrawals are ordinary income; tax-free accounts (Roth / ISA / TFSA) are untaxed. Capped free accounts stop contributions when annual or lifetime room is used up.
Units. Every income, spending, pension, employee/employer contribution field is per year (annual). Never monthly. Account balances and cost basis are stock figures (what you hold / paid to date today). Rates (return, APY, inflation, fees, volatility) are annual percentages.
Drawdown. Spending is set in today's money and inflated each year. The calculator solves for the gross withdrawal that leaves exactly enough after tax, taking money in your chosen order. Withdrawals happen at the start of the year and the rest of the balance grows for the remainder. For the UK and South Africa, retirement year also applies a cash lump sum and then a living or life annuity to the pension pot.
Odds. 1,000 simulations draw a market return each year from a normal distribution around your expected return using your volatility input. Cash keeps earning its stated rate. Success means the money never runs out before your target age.
Not included. Required minimum distributions, full state pension / Social Security taxation rules beyond the taxable portion input, IRMAA, AMT, Scottish income tax bands, UK lump sum allowance above £268,275, SA two-pot rules, prior lump sums already taken, medical tax credits, and other country-specific edge cases.

Educational tool, not tax or investment advice. Check anything that matters with a qualified adviser.