AI Retirement Calculator
A retirement calculator answers one question: does the money last? Ours answers it with every assumption in view. One return, one inflation rate and your cash flows by age, all in today’s dollars. Then it replays the same plan through history, so you can see how it would have fared in bad markets as well as average ones.
It is an educational tool. It shows what your assumptions imply. It does not tell you what to buy, and it knows nothing about you beyond what you type in.
Open the retirement calculator
What it shows
- Whether savings last to the age you plan to
- The age they run out if they don't
- The most you could spend and stay funded
- The earliest age you could retire
- The savings rate or return the plan would need
- The same plan started in every past month of a portfolio's history
- How many start dates it survived and the worst one
- How often history delivered the return you assumed
- Over the same number of years as your plan
How the numbers are made
- Every figure comes from a published, deterministic calculation: the same inputs always give the same answer.
- Amounts are in today’s dollars, so a number that looks large is not inflated by the years ahead.
- Historical results are hypothetical. They replay what past markets did and are not a forecast of what markets will do.
- The methodology page defines the terms, and the disclosures say what these results are and are not.
Where the AI fits
Kaight, our planning assistant, is built on the same engine. It will take your situation in plain words, run the calculator and the stress test for you, and explain what the report says. The AI never does the arithmetic itself. Every number it states comes from one of these calculations, and it does not recommend investments.
Kaight is in private testing. Until it opens, the calculator above is free to use and needs no account.
Why the assumptions matter
A projection is only as good as the return it assumes. Our post The Dramatic Impact of Investment Returns on Your Retirement follows one household through three return assumptions. The return reality check exists for the same reason: it shows how often history has actually delivered the return you typed in.