RetireRatio

Your Plan

Years until retirementYearly growth before retirement, after inflation (%)Click to reset to the default 7%.We already remove inflation, so results are in today's dollars. A typical long-term mix is about 7%.

Yearly growth in retirement, after inflation (%)Reset to the conservative default.Also after inflation. Retirees usually pick a lower, safer rate (~4%) than before retirement.

Current gross income

Effective tax rate (%)Estimate from your gross income · 2025 brackets, single filer

Converts after-tax dollars to pre-tax equivalents · federal only, 2025 brackets, single filer

Account name

Account type

Current balance

Contribution Schedule

From

–

Through

Years in retirement

All of retirement

From

–

Through

Annual income target

Linked to your current lifestyle ($34,789, pre-tax)

The most you could spend over 30 retirement years. A longer retirement means spending less.

Source accounts

We subtract these so now and retirement compare fairly, like a mortgage you'll have paid off. For monthly costs, multiply by 12.

Projected Portfolio

$1,400,667

at retirement ·

How long will the money last?

Covers all 30 years

Tests a $34,789/yr income target.

Self-sustaining (100+ years). On track to have about $2,591,773 after 30 years of retirement, and still growing.

Assumes 4% yearly growth in retirement, after inflation.

Illustrative estimate, not financial advice. See Terms →

Pre-tax

$1,400,667

Annually compounded · year-end contributions

Annual income at retirement

in today's dollars

Pre-tax

$34,789

Traditional 401k

$34,789

Comparison

How good is each retirement year?

1.0× your current lifestyle

Current lifestyle (pre-tax)

/yr

The gross income that funds this lifestyle, after contributions and temporary expenses.

Retirement

/yr

The gross income it would take to fund each retirement year.