Retirement Planner

See where your retirement savings are heading

Answer a few questions about you and — if you like — your spouse, add your Social Security estimate and every account you save into, and this builds a year-by-year projection through retirement. Nothing is uploaded and nothing is kept behind your back: the whole thing runs on your device, and the only copy that outlives this tab is the file you choose to save.

• 👤You and a spouse — names, dates of birth and the age each of you plans to retire. The spouse is optional and can be added or removed at any time.
• 🇺🇸Social Security — enter the benefit shown for your full retirement age and the age you plan to claim; the early-claim reduction and delayed credits are worked out for you.
• 📊Every account — 401(k), Roth, IRA, HSA, annuity, brokerage, savings and CDs, for either spouse or jointly, each with its own balance, yearly contribution and expected return.
• 📈Inflation — set the rate you expect and every future balance is also shown in today's dollars, with a matching Social Security COLA.
• 🧾An accounts grid — balances, share of the portfolio, contributions, returns and the projected value of each account on the day you retire.
• 🔒Your plan is never stored — no account, no upload, no server-side copy. Your plan is held in memory while you work, and Save project is the only thing that writes it down — straight to your own device. Open project loads it back. The only thing this site records is an anonymous count of which features get used; open Options (⚙, top right) to turn it off.