This calculator uses compound growth to project your balance from today until retirement, then applies an inflation-adjusted withdrawal to estimate how long the portfolio lasts. It assumes contributions and withdrawals happen annually, returns are constant (they aren’t in real life), and inflation is constant (it isn’t either). Use it as a sanity check, not a crystal ball.
Conservative defaults: 6% nominal return, 3% inflation, 4% withdrawal rate. Change them to fit your situation, but be careful with optimism. Historical S&P 500 real returns have averaged 7%, but the worst 10-year rolling period was −1.4%.
A calculator gives you a figure. A fiduciary advisor helps you decide what it means. No pitch, no pressure.
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