Income entered here is assumed available when retirement starts. Do not include a pension or Social Security benefit that begins later as income available earlier. Use the retirement snapshot to model staggered income start dates and the portfolio needed during the gap.
Estimate what you might spend in retirement, apply a simple rule-of-thumb (like the 4% rule), and see whether your current savings put you close to “on track” for that spending level.
This calculator uses two common planning shortcuts: many retirees spend about 80% of their pre-retirement budget, and a sustainable withdrawal rate is often approximated by the 4% rule. You can adjust both to fit your situation.
Enter your current monthly spending (or current retirement budget if you’re already retired), tweak your expected retirement spending percentage, add any guaranteed income (Social Security, pensions, annuities), and we’ll estimate the portfolio size you might want at retirement and how your current savings compare.
RonBelisle.com — educational planning illustration. Review the displayed inputs, timing, assumptions and supported statutory scope. Results are estimates, not guaranteed outcomes or personalized advice. Retain scenario inputs with this printout.