Independent retirement planning utility

WhenCanIRetire.net

Calculator

Your Financial Profile

Your current age in years
The age at which you hope to retire
$
Total investable assets today (401k, IRA, brokerage, etc.)
$
How much you add to investments each month
Long-term average annual return (stocks + bonds mix)
Expected long-term inflation rate
$
How much you expect to spend per year once retired, in today's purchasing power
3.5%
Market volatility. 15-20% is typical for stock-heavy portfolios.

Premium retirement workspace

Model the path from accumulation to retirement income in one view.

Keep the calculator on the left, review the forecast on the right, and compare scenarios without leaving the primary workspace.

Calculator first

Inputs stay pinned so you can iterate faster.

Monte Carlo

Stress-test retirement timing against market volatility.

Scenario comparison

Save alternate plans and reload them instantly.

Run the calculator to populate your retirement workspace.

Adjust the inputs, run the Monte Carlo analysis, and the forecast, charts, and saved scenarios will appear here.

Learn

Learn and plan

Retirement planning basics

Start with the core decisions behind a realistic retirement plan.

Safe withdrawal rate

Understand how withdrawal assumptions shape the calculator results.

Inflation and retirement

See how purchasing power changes the numbers over time.

Frequently Asked Questions

What is the FIRE Number?

Your FIRE Number is the amount of money you need invested so you can safely withdraw your desired annual spending using your chosen Safe Withdrawal Rate, adjusted for Social Security.

How does the Monte Carlo simulation work?

It runs 1,000 randomized market scenarios using realistic volatility. This gives you a success rate — the percentage of simulations in which your money lasts through 35 years of retirement.

Why is volatility included?

Average returns hide risk. High volatility can destroy even mathematically “good” plans through sequence of returns risk. This tool models that reality.

This calculator is for educational and illustrative purposes only. It does not constitute financial advice. Market returns are never guaranteed. Please consult a qualified financial advisor for personalized planning.