Model contributions, inflation-linked spending, pension income, funding gaps and portfolio depletion on a transparent retirement timeline.
01 / PURPOSE-SPECIFIC INPUTS
Spending and pension both rise with inflation. Constant returns are assumptions; supported income is not a guaranteed safe-withdrawal rate.
02 / RESULT & INTERACTIVE INSPECTION
Returns, inflation, contribution growth and income are assumptions, not forecasts or guarantees. No tax treatment, benefit eligibility, country life expectancy or investment recommendation is inferred.
Observation 35: Nominal balance: 50,000 $; Balance in today’s purchasing power: 50,000 $.
Observation 35: Total deposited including starting savings: 50,000 $; Modeled investment gain / loss: 0 $.
Entered annual spending: 48,000 $.
| Age | Nominal balance | Today’s purchasing power |
|---|---|---|
| 35 | $50,000.00 | $50,000.00 |
| 36 | $59,163.26 | $57,720.26 |
| 37 | $68,999.59 | $65,674.80 |
| 38 | $79,551.82 | $73,871.78 |
| 39 | $90,865.44 | $82,319.60 |
| 40 | $102,988.68 | $91,026.99 |
| 41 | $115,972.74 | $100,002.93 |
| 42 | $129,871.95 | $109,256.75 |
| 43 | $144,743.91 | $118,798.07 |
| 44 | $160,649.80 | $128,636.85 |
| 45 | $177,654.46 | $138,783.38 |
| 46 | $195,826.71 | $149,248.30 |
| 47 | $215,239.55 | $160,042.64 |
| 48 | $235,970.44 | $171,177.76 |
| 49 | $258,101.50 | $182,665.45 |
| 50 | $281,719.89 | $194,517.88 |
| 51 | $306,918.02 | $206,747.63 |
| 52 | $333,793.95 | $219,367.73 |
| 53 | $362,451.64 | $232,391.64 |
| 54 | $393,001.40 | $245,833.27 |
Rows 1–20 of 61
| Effective annual return scenario | Retirement balance | Funding surplus / gap |
|---|---|---|
| Entered return −1 pp | $729,618.74 | $-613,013.77 |
| Entered return unchanged | $893,043.39 | $-294,989.10 |
| Entered return +1 pp | $1,098,780.60 | $39,668.88 |
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Contributions occur at each selected period end: annual, quarterly, monthly, 26 biweekly or 52 weekly events per year. Annual contribution increases begin in contribution-year two, and effective annual returns compound over fractional years between events.
Model contributions, inflation-linked spending, pension income, funding gaps and portfolio depletion on a transparent retirement timeline. Inspect the calculated data through labeled controls and review worked assumptions before using a result.
Retirement Calculator calculations run locally in browser memory. Entered financial values, wages, measurements and other inputs are not sent to a third-party processing service or saved as a personal profile. Ordinary website page requests may still be logged. Clipboard access happens only when you choose Copy Result.
Contributions occur at each selected period end: annual, quarterly, monthly, 26 biweekly or 52 weekly events per year. Annual contribution increases begin in contribution-year two, and effective annual returns compound over fractional years between events.
Yes. Annual spending and pension are both entered in today’s purchasing power and rise with inflation through the accumulation and retirement periods. A pension surplus is not automatically invested into the modeled portfolio.
Real return is (1 + nominal effective return)/(1 + inflation) − 1. Nominal portfolio balances are also divided by accumulated inflation for today-money display; inflation is not subtracted twice.
It compares the projected nominal retirement balance with the discounted capital needed for the entered inflation-linked monthly spending shortfall after pension. The supported-income measure uses the same duration and withdrawal convention.
Depletion is the first monthly withdrawal the available portfolio cannot fully fund. Balance is held at zero, and later unfunded withdrawals are tracked separately. No survival or depletion age beyond the entered retirement duration is guessed.
No. It solves the same constant-assumption contribution timeline for an entered nominal balance target and rounds the base contribution upward to cents. Taxes, benefit eligibility, return-sequence risk and probabilistic success rates are not modeled.