Most retirement calculators tell you if you'll run out of money. This one shows you when you'll be too old to enjoy it.
The calculator is organized into five input sections. Here's what each one does.
Starting savings, annual spending, your age, how long to simulate, tax rate, and investment fees. The essentials.
Choose from 8 strategies — flat inflation-adjusted, Guyton-Klinger guardrails, Variable CAPE, VPW, and more. Set floor and ceiling limits.
Set your stock/bond/cash allocation, enable annual rebalancing, configure a glide path that shifts allocation over time.
Add Social Security, pensions, or part-time income. Add extra expenses like healthcare with start and end ages.
Toggle mortality and health overlays. Enable investigation mode to find the maximum safe spending for a target success rate.
We take every 35-year window from 1871 to today and ask: would your portfolio have survived? The stacked chart shows what fraction of history ends with you rich, comfortable, broke, or dead.
The dashed orange line shows the fraction of people your age who are still living without significant disability — based on WHO healthy life expectancy data. It falls from ~92% at 55 to under 5% by 90. The gap between this line and the death wedge is "alive but impaired."
Research shows retirees naturally spend 1–2% less each year in real terms. Less travel, smaller homes, fewer hobbies. The calculator models this with a configurable annual decrease that starts at the age you choose — making your plan more realistic than a flat withdrawal.
Using Social Security actuarial tables, the chart overlays your cumulative probability of death at each age. This gray wedge grows from the bottom — a reminder that running out of money at 95 matters a lot less if there's only a 15% chance you'll be alive. It turns a scary 80% success rate into a much more comfortable picture.
8 spending strategies, 154 years of data, mortality overlay, health decline, and more.
Launch the calculator