Advanced Retirement Calculator | Easy Budget Planners

Your Information

Current Age

Retirement Age

Current Retirement Savings ($)

Annual Income ($)

Annual Income Increase (%)

0% 2.0% 8%

Accounts for raises, promotions, and cost-of-living adjustments

Retirement Contribution (% of Income)

1% 8.0% 25%

Monthly: $500

Expected Monthly Social Security ($)

Check your actual benefit estimate here

Social Security Collection Strategy

Early (Age 62) - Reduced benefits Full Retirement Age - Full benefits Delayed (Age 70) - Increased benefits

Expected Annual Return (%)

3% 7.0% 12%

Historical stock market average is ~10%, bonds ~5%

Inflation Rate (%)

1% 2.5% 6%

Federal Reserve target is ~2%

Withdrawal Strategy in Retirement

4% Rule - Withdraw 4% annually Conservative 3% - Lower risk Dynamic - Adjust based on performance

Your Retirement Plan

$1,575,032

Total at Retirement

$7,750

Monthly Income

$349,967

Total Contributions

$1,225,065

Investment Growth

$5,250

From Savings

$2,500

Social Security

Money Runs Out At Age

💡 Your Retirement Income Breakdown

• $5,250 monthly from retirement savings
• $2,500 from Social Security

This represents 62% of your final working year income ($149,992 growing 2% annually).

The 4% rule suggests withdrawing 4% of your portfolio annually for a sustainable 30-year retirement.

⚠️ Based on this withdrawal rate, your savings may be depleted around age 90. Consider increasing savings or reducing withdrawal rate.

Year-by-Year Projection

Age	Income	Contribution	Growth	Balance	Real Value
31	$75,000	$6,000	$3,500	$59,500	$59,500
32	$76,500	$6,120	$4,165	$69,785	$68,083
33	$78,030	$6,242	$4,885	$80,912	$77,014
34	$79,591	$6,367	$5,664	$92,943	$86,307
35	$81,182	$6,495	$6,506	$105,944	$95,980
36	$82,806	$6,624	$7,416	$119,985	$106,049
37	$84,462	$6,757	$8,399	$135,141	$116,531
38	$86,151	$6,892	$9,460	$151,493	$127,445
39	$87,874	$7,030	$10,604	$169,127	$138,810
40	$89,632	$7,171	$11,839	$188,136	$150,646
41	$91,425	$7,314	$13,170	$208,620	$162,974
42	$93,253	$7,460	$14,603	$230,684	$175,814
43	$95,118	$7,609	$16,148	$254,441	$189,191
44	$97,020	$7,762	$17,811	$280,013	$203,127
45	$98,961	$7,917	$19,601	$307,531	$217,648
46	$100,940	$8,075	$21,527	$337,134	$232,779
47	$102,959	$8,237	$23,599	$368,970	$248,547
48	$105,018	$8,401	$25,828	$403,199	$264,980
49	$107,118	$8,569	$28,224	$439,992	$282,108
50	$109,261	$8,741	$30,799	$479,533	$299,961
51	$111,446	$8,916	$33,567	$522,016	$318,571
52	$113,675	$9,094	$36,541	$567,651	$337,971
53	$115,948	$9,276	$39,736	$616,662	$358,197
54	$118,267	$9,461	$43,166	$669,290	$379,285
55	$120,633	$9,651	$46,850	$725,791	$401,272
56	$123,045	$9,844	$50,805	$786,440	$424,198
57	$125,506	$10,041	$55,051	$851,531	$448,105
58	$128,016	$10,241	$59,607	$921,380	$473,036
59	$130,577	$10,446	$64,497	$996,322	$499,036
60	$133,188	$10,655	$69,743	$1,076,720	$526,151
61	$135,852	$10,868	$75,370	$1,162,959	$554,432
62	$138,569	$11,086	$81,407	$1,255,451	$583,929
63	$141,341	$11,307	$87,882	$1,354,640	$614,696
64	$144,167	$11,533	$94,825	$1,460,998	$646,788
65	$147,051	$11,764	$102,270	$1,575,032	$680,265

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💡 Your Retirement Income Breakdown

Year-by-Year Projection

🎯 Retirement Milestones

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