Run a quick projection of your retirement.
01
About You
Used as a default for life expectancy. Override below.
02
Your Income at Retirement
Today's dollars. Includes basic annuity only.
Today's dollars. 0 if not applicable.
Tax-free. 0 if not applicable.
From your SSA statement.
Part-time work, rental, consulting. Today's dollars.
03
Your Assets Today
Stocks = S&P 500 (TSP C Fund). Bonds = US Treasury (TSP G Fund).
60% Stocks
40% Bonds
04
Your Spending & Plan
Housing, food, utilities, insurance.
Travel, hobbies, dining, gifts.
FEHB, Medicare, supplemental, out-of-pocket.
Probability of Success
—
Your plan succeeds in — of 10,000 simulations.
Median ending balance
$—
In today's dollars
Median money lasts
— years
From retirement
Worst case
— years
Earliest depletion
Portfolio projection
10,000 simulated paths from your retirement to age 85. Each band shows where most outcomes land.
Median path
Middle 50%
Outer 90%
What if you...
Tap any scenario to re-run the simulation with that change.
Year-by-year cashflow (median path)
| Age | Income | Spending | Withdrawal | Portfolio |
|---|
How COLA works in this calculator: FERS, Military pension, and Social Security are inflation-adjusted (COLA) automatically. FERS COLA begins at age 62. VA disability is inflation-adjusted regardless of when or where you receive it. Federal and state taxation varies by source and location — this calculator estimates pre-tax income unless you've entered after-tax values.
Educational tool, not financial advice. Refresh the page to start over.