Retirement Readiness Calculator

Model your “stop-pushing-so-hard” plan. Use your current investments, yearly contributions, and expected returns to see how sustainable your retirement path is — including inflation, pensions, and additional income if applicable.

Inputs

Current Age

Goal Retirement Age

Current Investments ($)

Starting 401(k) / IRA ($)

Annual Contribution ($)

Annual Contribution to 401(k) ($)

Expected Return Before Retirement (%)

Expected Return After Retirement (%)

Inflation (%)

Spending Need (Today’s $ / yr)

Additional Income (per mo)

Optional: generic recurring income; grows with inflation.

Key Results

Total @ Retirement

—

Investments + 401(k)

Total @ 59½

—

Bridge spent; 401(k) grows

Total @ 67

—

Pre-SS picture (SS excluded)

Projection Summary

Run the model to see sustainability verdict.

Balance Over Time

Dashed line shows annual withdrawal need after retirement.

After Retirement Additional Income

Source	Start Age	Monthly (today’s $)	Inflation-Adjusted?

Projection Table

Age	Investments	Total	Withdrawal