Core Retirement Spend Calculator
Figure out how much annual income you'll need in retirement and where it will come from — whether through a quick replacement-rate estimate or a detailed tax-aware analysis of your current spending.
Inputs
Annual Retirement Income Gap
$44,000
The amount your savings need to cover each year
Target Annual Income
$68,000
Monthly Income Gap
$3,667
Portfolio Needed (4% Rule)
$1,100,000
Retirement Income Breakdown
Compares current income to target retirement income, showing the portion covered by Social Security and the gap savings must fill.
Filing Status & Dependents
Income
Interest, dividends, side income, etc.
State & Local Taxes
City wage tax, local income tax, etc.
Leave at $0 to use standard deduction
Retirement Savings
2025 Limits: 401(k) $23,500, IRA $7,000
Outside of workplace retirement plans
Brokerage accounts, emergency fund, etc.
Large Expenditures
Expenses that will expire before or soon after retirement
About This Analysis
This calculator provides estimates based on the inputs you supply. It assumes standard amortization and does not account for taxes, insurance, PMI, prepayment penalties, or the opportunity cost of funds. Results are for informational and educational purposes only and should not be considered financial advice. Consult a qualified professional before making financial decisions.
- ·Tax calculations are approximations based on 2025 tax year data.
- ·Does not account for all tax credits, deductions, or special circumstances.
- ·Consult a qualified tax professional for personalized guidance.
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Also Consider
Quick Reference
- Social Security Bend PointsPIA formula and bend point thresholds
- Medicare Premiums & IRMAAPart B/D base premiums, income surcharge brackets
- Key Retirement Ages59½, 62, 65, 67, 70, 73 — what each unlocks
- Contribution Limits401(k), IRA, HSA, catch-up limits for 2025
- Retirement Account ComparisonTraditional vs Roth vs 401(k) vs 403(b) vs SEP
- RMD TablesUniform Lifetime Table, Joint Life Table
Insights
9 calculators · 6 reference pages