The moment your wealth crosses 25× your yearly spending, work becomes optional. Tell it three things and it'll tell you where you stand today — then help you build the plan to close the gap.
Setting a date of birth keeps your age in sync automatically.
Everything below runs in your browser only — nothing is uploaded or stored.
Based on the classic 25× rule (a ~4% sustainable withdrawal rate) and your current bucket mix below.
Everything downstream reacts live to what you enter above. Jump to any stage below.
A short-term Reserve, a Growth engine, and a long-horizon compounder. Drag the sliders, or let your age suggest a starting mix.
A common pattern: Growth leads while you're building, Horizon takes over once income tapers, and the Reserve stays roughly steady throughout to cover near-term spending.
Set a return assumption per bucket and a time horizon — each one grows on its own curve.
Draw from the Reserve first so the Growth and Horizon buckets keep working — one clock, each bucket handing off to the next as it empties.
Add money on a schedule and see what compounding turns it into.
Draw a fixed amount from a pot and see how many years it can support you.
Phase 1 grows your money with regular contributions. Phase 2 picks up wherever Phase 1 leaves off and draws it down. One chart shows whether the money outlasts the plan.
How the three calculators above relate, and the rules of thumb worth knowing before you trust any number on this page.
Regular contributions plus time plus a return rate — the accumulation calculator shows what that combination compounds into.
Flip it around: start with a pot, take a fixed amount out on a schedule, and see how many years it holds up.
Chain the two together — years of saving feeding straight into years of spending — so you can see the whole arc in one chart.
Long-run averages sit around 7–10% for diversified equities and 3–5% for bonds, before inflation — but averages hide bad decades. Run your numbers a second time at something noticeably lower. A plan that only survives at the optimistic end isn't really a plan.
At roughly 2.5–3% inflation, everyday costs double every 25–28 years. Leave inflation out of a multi-decade withdrawal plan and you're quietly planning to live on half your current lifestyle by the end of it.
Yes — disproportionately. Compare 10 years of contributions against 20 with identical inputs in the accumulation calculator: the second decade typically outgrows the first two combined, because it compounds on a much bigger base. Time is the one input you can't buy back later.
A widely used starting point is about 4% of the pot in year one, rising with inflation after that, aimed at funding roughly 30 years. Push meaningfully past that rate and the drawdown calculator's depletion curve will show it collapsing early.
Two portfolios can earn the identical average return over 30 years and still end very differently — the one that suffers a downturn in its first few withdrawal years recovers far worse than the one that doesn't. It's a big part of why a Reserve bucket of stable, near-term money matters heading into retirement, not just the size of the total pot.
Barely. The amount you contribute, the return you earn, and the years you stay invested move the outcome far more than whether you contribute weekly or yearly. Don't let frequency-optimizing distract from the bigger levers.
Treat every figure here as a working estimate, not a promise. Real markets move in lurches, not smooth curves, and your own spending will shift too. Rerun the plan at least once a year and adjust as life changes.