Retirement Outlook Calculator

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

Your Timeline

When do you plan to retire?

Are you currently retired?

No, still working

Yes, already retired

Current Age

Retirement Age

Plan Through Age

Savings & Contributions

Enter your account balances and any ongoing contributions

Estimated Pre-Retirement Return

Estimated Post-Retirement Return

Tip: Consider using an inflation-adjusted rate (e.g., subtract 2-3% from expected returns) for more realistic purchasing power calculations over time.

Contributions Continue

Until retirement

Set # of years

Withdrawal Strategy

Do you have a specific annual income target?

Do you plan to withdraw a target income from your portfolio? (Required Minimum Distributions from Traditional accounts will be used to satisfy this target first).

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

No, only required RMDs

Yes, I have a target income

Before RMDs Begin

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

Withdrawal Target

After RMDs Begin

Your total target income. If your required RMD exceeds this target, you will be forced to withdraw the full RMD amount instead.

Withdrawal Target

Sequence for Supplemental Withdrawals

Note: Required Minimum Distributions (RMDs) will always be withdrawn from Traditional accounts first. This sequence applies to any supplemental income needed to reach your total target.

Projection Results

Complete the form on the left and click "View My Projection" to see your results.

Projected Balance at Age 90

End-of-year balance after all withdrawals and growth

Retirement End of Plan

Portfolio Withdrawals for Age 90

Required Min. Distribution $0

Total Portfolio Outflow $0

*Excludes Social Security, pensions, etc.

Cumulative Totals (Through Age 90)

Total RMDs Processed $0

Lifetime Portfolio Outflow $0

Balance Composition

Traditional (Pre-Tax) $0

Roth (Tax-Free) $0

Brokerage (Taxable) $0

Important: This calculator provides hypothetical projections for educational purposes only. Results assume a constant rate of return and do not account for taxes, inflation, fees, or market volatility. Projections reflect only the investment accounts entered and exclude outside income such as Social Security or pensions. RMD start ages are based on SECURE 2.0 Act guidelines. Consult with a qualified financial professional for personalized advice.