Retirement planner
Build your plan and see whether your money lasts: taxes, Social Security, RMDs and Roth conversions, tested against 1,000 simulated markets. It runs entirely in your browser. No account, no bank login, and your plan never leaves this device.
Quick start
Assumes you retire at 65 on a $85,000 salary, spend $50,000 a year (today’s dollars) plus healthcare, get $26,000 a year of Social Security from 67, and plan to 95, with 70% stocks. Change any of it in the full planner.
Add detail
YouOne person
A single rate applied to taxable income. Use 0 for states with no income tax.
Income1 source
Social Securityclaim at 67
Find your estimate at age 67 in your Social Security statement (ssa.gov, “my Social Security”), then multiply the monthly figure by 12. Enter it in today’s dollars.
Accounts1 account, $200,000
Your own labels and balances. Nothing is linked, and we never ask for account numbers.
Spending$50,000 a year in retirement
Everything except healthcare and taxes, which are added separately.
Otherwise we assume you spend what’s left after taxes and savings.
Many retirees spend less in their late 70s and beyond.
One-time costs and windfalls
Assumptions2.5% inflation, 70% stocks
Returns are yearly averages before fees, not promises. The simulation varies them year by year by the volatility you set. See the methodology for how each is used.
Paid out, taxed and reinvested each year.
Withdrawals and Roth conversionsConventional order
Roth conversions
Moving money from traditional accounts to a Roth IRA, paying the tax now. Often considered in low-income years between retirement and Social Security. This is education, not a recommendation.
Your plan file
Saved automatically in this browser. Export a file to back it up or move it to another device.
Your results · updating
51%chance of successAt risk
In 505 of 1,000 simulated markets, your money lasts the whole plan.
With expected returns, your money lasts past age 95.
In 1 market in 10, it runs out by age 79.
| Age | Expected | 10th pct | Median | 90th pct |
|---|---|---|---|---|
| 40 | $230,331 | $199,625 | $228,417 | $264,132 |
| 45 | $370,161 | $270,459 | $361,840 | $488,608 |
| 50 | $534,773 | $366,024 | $515,571 | $742,270 |
| 55 | $728,559 | $469,901 | $689,621 | $1,094,986 |
| 60 | $956,689 | $557,175 | $908,070 | $1,449,108 |
| 65 | $1,136,233 | $569,493 | $1,029,523 | $1,845,971 |
| 70 | $1,072,499 | $351,545 | $906,654 | $1,895,248 |
| 75 | $1,021,161 | $164,230 | $793,984 | $2,091,177 |
| 80 | $952,086 | $0 | $640,731 | $2,102,949 |
| 85 | $856,418 | $0 | $489,821 | $2,219,572 |
| 90 | $726,750 | $0 | $257,483 | $2,114,209 |
| 95 | $560,387 | $0 | $11,848 | $2,236,040 |
- Savings at retirement
- $1,136,233
- Left at age 95 (median market)
- $11,848
- Lifetime taxes
- $633,014
- Social Security, lifetime
- $754,000
RetirementPace is an educational tool, not financial, tax or legal advice. RetirementPace is not a registered investment adviser.
How this planner works
Each year from now to the end of your plan, the planner works out your income, what you save within the IRS limits for your age, what you spend, required minimum distributions, and the withdrawals and taxes that cover the gap. Federal brackets, the standard deduction, capital-gains rates and the taxation of Social Security come from the IRS’s published figures, each linked to its source.
It then replays your plan through 1,000 simulated markets, so you see a range of outcomes and a success rate instead of one hopeful line. It is an educational tool: the assumptions are yours to change, and every formula and simplification is documented.