Retire Clearly

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This simple tool provides easy to understand projections for retirement planning. It is safe and secure -- your data is completely private to your browser!

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Input Details

These are the detailed inputs for your retirement plan. You can adjust and tune these values to explore scenarios for your future.

Age
Growth Rates

These percentage rates are used to calculate annual growth of your retirement accounts. Conservative rates at 4% per year versus aggressive rates at 10%.

Retirement Lifestyle

What do you expect for your income and expenses in retirement?

Medicare offers greatly reduced medical insurance. Age for eligibility may vary in the future. The Monthly Health Insurance tracks the cost of health insurance prior to eligibility for Medicare. To estimate costs for health insurance before that age, check out this Forbes article.

Pre-tax Accounts

These accounts represent investment accounts where contributions are tax-deductable but withdraws are considered income.

Roth Accounts

Roth accounts are accounts where contributions use after-tax dollars, making withdraws are tax free. Principal withdraws are penalty free at any age, and earnings can be withdrawn penalty-free after 59½.

Additional Accounts

These accounts represent other retirement vehicles, such as health savings accounts (HSA).

To determine Social Security Income, check out the NerdWallet Calculator.

Inputs

Current Age
Years to go
Savings Distribution
Total Savings
Contribution Distribution
Annual Contribution

Projection

Scenarios

What if you saved more than you plan? What if you retire earlier, or later? Project using various scenarios to understand the consequences of your retirement plan.