Retirement isn't about what you have. It's about what comes in — after tax, through every phase. Retire before 65 and you're buying your own health insurance with no Social Security yet. Let's find your R, and the right time to pull the trigger.
Your nest egg becomes a paycheck. Your other streams already are one. Enter today's balances — we'll grow them to retirement.
How much of your nest egg you draw each year. The classic guideline is the 4% rule.
Before 65 there's no Medicare — you buy your own health insurance. Wait past 67 to claim and Social Security grows ~8%/yr (and shrinks ~6–7%/yr if you claim early). Tap a scenario to compare.
Balances grow at your return minus inflation, so the projection stays in today's dollars. Health insurance is added to your spending only until Medicare starts at 65.
Roth & returned principal are tax-free; brokerage & qualified dividends use the lower investment rate; 401(k), IRA, pension & rent are ordinary income; up to 85% of Social Security is taxed.
Spending stays in today's dollars. Nest-egg withdrawals keep pace with inflation. For each income stream above, tap 📈 Grows / 🔒 Fixed — most pensions are fixed; Social Security has a COLA.
What you need to live — excluding health insurance (we add that by age, above). In today's dollars.
Enter your streams to calculate your R.