Your Inputs
Adjust your retirement plan
Success91%
Your current age in years. This determines how many years you have to save for retirement.
The age when you plan to retire and stop working.
How long you expect to live. This determines how many years your retirement savings need to last.
Success91%
The total amount you have already saved for retirement.
How much you plan to save each month until retirement.
Withdraw this percentage of your current portfolio balance each year. Income varies with market performance.
Income adjusts with your portfolio value each year.
Minimum annual withdrawal regardless of strategy calculation. Adjusts with inflation.
Bounds are inflation-adjusted over time.
Excellent
91%
success rateYour plan looks very solid!
In 91% of 1,000 simulated futures, your money lasts through retirement.
Avg Expected Yearly Income
$64,469
Portfolio Balance
Worst Case (10th)Worst Case
Median OutcomeExpected
Likely Range (25th-75th)Likely Range
Compare best to worst case scenarios
| Scenario | Balance at 90Balance | Avg Yearly IncomeIncome/yr |
|---|---|---|
Worst CaseWorst | $57,888 | $13,978 |
PessimisticPoor | $828,305 | $34,065 |
ExpectedExpected | $1,943,596 | $64,469 |
OptimisticGood | $3,908,586 | $117,209 |
Best CaseBest | $7,197,338 | $201,260 |
Next Steps
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A Free FI Calculator That Shows Real Probabilities
Most retirement calculators give you a single number based on average returns. This financial independence calculator runs 1,000 market scenarios to show the full range of outcomes, so you can plan for uncertainty instead of ignoring it.
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