Retirement Runway Calculator

How long might your retirement savings last? Explore a simplified year-by-year projection.

Your assumptions

Retirement savings ($)

Current age

Retirement age

Monthly spending at retirement ($, today's dollars)

Annual nominal return (%)

Annual inflation (%)

Social Security starting age

Monthly Social Security at claiming age ($, today's dollars)

Assumes no additional savings before retirement. Assets grow at the selected return rate before retirement; annual retirement spending is inflation-adjusted. Social Security is assumed to rise with inflation. All values are before taxes.

Your projection

Savings last until approximately

—

Balance at age 95

—

Chart shows nominal future dollars. Projection ends at age 100.

Important limitations

This is an educational estimate, not financial or tax advice. Returns are assumed constant; real markets fluctuate. Taxes, fees, healthcare shocks, required minimum distributions, and detailed Social Security rules are not modeled. Social Security figures are your own estimates, not verified benefit amounts. Inflation and withdrawals can substantially affect outcomes.