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Retirement calculators, tested against real market history

Every tool here replays your numbers through actual U.S. stock, bond and inflation history since 1928, including the Depression, the 1970s and 2008. No sign-up needed for any of them.

Updated · How we test · The data · Glossary

Calculators

Put in your numbers and test them against every market since 1928.

4% Rule CalculatorTest the classic rule against every market since 1928.Safe Withdrawal Rate CalculatorThe highest rate that lasted, by length and stock mix.How Long Will My Savings LastYears your money lasted, for every start since 1928.Retirement Income CalculatorMonthly income from savings, Social Security and pensions.Retirement Spending CalculatorBudget by category, then the savings it takes.Retirement Bucket CalculatorSize your cash bucket and see how sizes compared historically.3-Year Cash BucketThe most common bucket size, sized and tested.5-Year Cash BucketBuilt for longer downturns. Size it and test it.Sequence of Returns CalculatorReplay any start year forward and backward.Retirement Inflation CalculatorFuture cost of today’s spending, and history’s worst stretches.Retire at 55 CalculatorA 40-year plan with a bridge to Social Security.Retire at 60 CalculatorA 35-year plan, with Social Security a few years in.

Walkthroughs

Common retirement questions, answered with real market history.

Can I Retire With $1 Million?What $1 million supported, at different spending levels.Can I Retire With $2 Million?What $2 million supported, at different spending levels.Can I Retire With $3 Million?What $3 million supported, at different spending levels.$2 Million, $100k a YearA 5% plan, and what makes it work.Retire at 55 With $2 MillionA 40-year plan with a 12-year bridge.Market Crash in Year OneA first-year crash, tested across history.Retired in 2000Two crashes in a decade: how three plans fared.Retired in 2008A 37% drop in year one: how three plans came through.Retired in 1966The worst case behind the 4% rule.Retired in 1973A crash and double-digit inflation, back to back.Retired in 1929The Great Depression, and why it wasn’t the worst start.

Comparisons

Withdrawal strategies side by side, on the same savings.

Sequence-of-Returns RiskWhy the order of returns matters, shown with real history.4% Rule vs GuardrailsSteady spending vs spending that adjusts.Guardrails vs Bucket StrategyAdjusting spending vs protecting from selling low.3-Year vs 5-Year BucketMore protection vs more growth, side by side.Fixed vs Dynamic WithdrawalsSteady vs adaptive, across three plans.