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Your retirement, from saving to spending

Connect the years you save with the years you spend. Explore retirement timing, monthly savings and future income on one interactive graph.

You’d run short at age 74. Saving USD 2,379 a month covers you through 95.

Savings at retirement
USD 129,805
Savings needed at retirement
USD 578,714
Monthly savings needed for this spending plan
USD 2,379

Age 65USD 129,805

  • Your assumption
  • If you saved the amount needed

Drag across the graph, or focus it and use the arrow keys, to read any year. The year-by-year figures are below.

The savings target and required contribution fund the chosen spending through the end age under these assumptions. The graph follows your current contribution. Required amounts round up; supported spending rounds down.

See the year-by-year figures
USD · Today’s money
AgeSavings balance
35USD 25,000
36USD 30,191
37USD 35,231
38USD 40,125
39USD 44,876
40USD 49,488
41USD 53,966
42USD 58,314
43USD 62,535
44USD 66,633
45USD 70,612
46USD 74,474
47USD 78,225
48USD 81,866
49USD 85,401
50USD 88,833
51USD 92,165
52USD 95,400
53USD 98,541
54USD 101,590
55USD 104,551
56USD 107,425
57USD 110,216
58USD 112,925
59USD 115,555
60USD 118,109
61USD 120,589
62USD 122,996
63USD 125,333
64USD 127,602
65USD 129,805
66USD 114,214
67USD 99,078
68USD 84,382
69USD 70,115
70USD 56,263
71USD 42,814
72USD 29,757
73USD 17,081
74USD 4,773
75USD 0
76USD 0
77USD 0
78USD 0
79USD 0
80USD 0
81USD 0
82USD 0
83USD 0
84USD 0
85USD 0
86USD 0
87USD 0
88USD 0
89USD 0
90USD 0
91USD 0
92USD 0
93USD 0
94USD 0
95USD 0

Your numbers

Today
While you save
In retirement

Other income is net of tax, starts at retirement and rises with inflation. Any surplus is not reinvested.

Return, inflation and fees0% / 0% return · 3% inflation · 0% fee

All money inputs are in today’s purchasing power. Monthly savings, spending and other income rise with your inflation assumption. Returns are annual effective rates before the asset fee. They stay constant in this illustration.

Illustrative amounts in today’s money. Nothing you type leaves this page.

How to use this calculator

  1. Enter your age and your current savings.
  2. Under “While you save”, set your retirement age and monthly savings.
  3. Under “In retirement”, set how long the money should last, your monthly spending and any other income.
  4. Read the graph: the solid line is your plan, and the dashed line is the same plan with the monthly savings needed to cover it.

How to read the result

If the plan falls short, the headline gives the age the money runs out and the monthly savings that would close the gap. Try a later retirement age, lower spending or a different return to see how each one changes the answer.

What the graph leaves out

This is an educational scenario, not investment advice or a promise. It does not model market volatility, the order of good and bad returns, taxes, exchange rates, public pension eligibility, one-off expenses or changing spending needs. A smooth line can hide the risk of running out sooner. Try lower returns and a longer retirement.

Method, formula and sources

The model runs month by month. Savings are added at month-end; retirement withdrawals happen at month-start. The annual return, asset fee and inflation become one monthly real growth factor. Balances stop at zero, and an unmet withdrawal is recorded as a shortfall.

Monthly real factor = ((1 + return) × (1 − fee) ÷ (1 + inflation))^(1/12). Rates use decimals. During saving: next balance = balance × factor + contribution. During retirement: next balance = max(0, balance − withdrawal) × factor.

Sources checked 7 October 2026. The calculation uses your assumptions, not live market data.