Retirement Budget Calculator

Retirement Budget Calculator estimates sustainable retirement income based on savings, contributions, inflation, and withdrawal rates. It compares lifestyle costs, essential expenses, Social Security, and risk factors to show whether long-term retirement spending remains fully covered.

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Retirement Budget
Your Reality
RETIREMENT READINESS SCORE
ANALYZING…
Based on your unique profile
Monthly Income Reality
Sustainable Monthly Income SAFE
$0
Portfolio Draw + SS (Today’s Power)
SS Dependency: 0%
Lifestyle Coverage
0%
of Target
$0
Monthly Gap
Essentials Coverage
0% RISKY
📉 Cut spending by 0% to be safe.
Risk & Confidence
Sleep Score ?
0
Out of 100
Market Crash Buffer
0 Yrs
Spending in safe assets
$100k Health Shock
Survive?
Reduces run-out by 2y
Earliest Safe Age
—
To keep >80% success
⚠️ Sequence Risk Tolerance
Max drop before danger: 0%
(Before draw rate hits >7%)
👴 Longevity Risk (Age 90+)
Projected Balance at Age 90: $0
Portfolio Growth Path
Projected Nest Egg
$0
At Retirement Age
The “Number”
$0
Needed for $5k/mo
Efficiency
1.0x
$1 Saved = $X at retire
Growth Analysis
Total Principal
$0
Compound Growth
$0
Growth Timing
Growth in last 10 years alone:
$0
Cost of waiting 5 years:
-$0
Strategic Boosts
One More Year
Adds to Portfolio
+$0
Downsize Home
Simulate +$200k equity
Barista FIRE
$1.5k/mo for 5 yrs
Match Check
Are you missing free money?
No match added
Why This Number?
  • Assumes 3% inflation every year.
  • Includes 4% safe withdrawal rate logic.
  • Adjusts for purchasing power parity (Today’s $).
What Could Break This?
  • Sustained inflation above 5%.
  • Negative returns in first 3 years of retirement.
  • Spending shocks >15% of portfolio.

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