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Retirement Outlook Calculator

See how your retirement savings may grow over time, and understand how Required Minimum Distributions (RMDs) and planned withdrawals could affect your portfolio.

1
Your Timeline
When do you plan to retire?
Are you currently retired?

2
Savings & Contributions
Account balances and any ongoing contributions
%
%

Tip: Use an inflation-adjusted rate (subtract 2–3% from expected returns) if you want results in today’s purchasing power.

Contributions Continue
3
Withdrawal Strategy
Do you have a specific annual income target?

RMDs from Traditional accounts are taken first and count toward your target. Any remaining need is drawn using the sequence you choose below.

Note: This calculates income drawn only from the investment accounts entered above. It does not include Social Security, pensions, part-time work, or rental income.

Before RMDs Begin

Your total target income prior to your RMD start age (typically 73–75).

$
After RMDs Begin

If the required RMD exceeds this target, the full RMD is still withdrawn.

$

Note: RMDs are always taken from Traditional accounts first. This sequence applies only to supplemental income above the RMD.

Projection Results

Complete the form and click “View My Projection” to see balances, RMDs, and withdrawals by age.

IRS RMD Start Age: 75
Mandatory distributions from Traditional accounts begin at this age.
Portfolio depleted
Projected Balance at Age 90
$0
End-of-year balance after withdrawals, contributions, and growth
Now End of Plan
Purple dashed = retirement Teal dashed = RMD start
Portfolio Withdrawals for Age 90
Required Min. Distribution $0
Supplemental Withdrawal $0
Income Shortfall $0
Total Portfolio Outflow $0
Excludes Social Security, pensions, etc.
Cumulative Totals
Total RMDs Processed $0
Total Supplemental Withdrawals $0
Total Unmet Income $0
Lifetime Portfolio Outflow $0
Balance Composition
Traditional (Pre-Tax) $0
Roth (Tax-Free) $0
Brokerage (Taxable) $0

Important: Hypothetical projections for educational purposes only. Results assume a constant rate of return and do not account for taxes, fees, or market volatility. Projections reflect only the accounts entered and exclude outside income such as Social Security or pensions. RMD start ages follow SECURE 2.0; divisors follow the IRS Uniform Lifetime Table (2022+). IRA RMDs still apply while you are working. Consult a qualified financial professional for personalized advice.