Can I stop working when I want?
Turn savings, contributions, spending, and dependable income into one first retirement-paycheck estimate.
Run the retirement runway →Menu
Start here
One plan. Seven numbers. One choice at a time.
You do not need to understand every retirement rule before you begin. Build a first picture. Find the weak spot. Then spend your time on the choice that could change your life.
What is the decision that could break the plan?
Test health insurance, Social Security, housing, rental cash flow, fees, taxes, and a poor early market separately.
Explore the What-If Labs →What should I verify before acting?
Use the decision guides to learn the rule, understand the tradeoff, and reach the official source that controls it.
Browse the decision library →The seven-number first draft
Gather enough to begin. Do not wait for perfect numbers.
A fair estimate is good enough for a first look. Write down where each number came from and which ones you still need to check.
- Your age and preferred retirement ageThe time available for saving, growth, and decisions.
- Retirement savings today401(k), 403(b), IRA, and retirement-designated brokerage accounts.
- Monthly contributionsYour deposits plus a realistic employer match.
- Monthly retirement spendingHousing, taxes, health care, travel, family help, and irregular costs.
- Social Security and pensionsBenefits connected to a specific start age and survivor election.
- Other incomeRent left after property costs, part-time work, annuities, royalties, or support payments.
- The biggest known uncertaintyThe single assumption you most need to test before acting.
A better order
Decide what you want before you change investments.
Price the life
List needs, wants, and large costs that do not happen every month.
Build the spending goal →List the income
Give Social Security, pensions, rent, work, and savings their own start dates.
List the income sources →Test the weak spot
Test a costly year, bad market, lost income, care need, and the death of a spouse.
Plan for a bad early market →Plan the tax years
Choose which account pays each year. Do not treat every account like the same kind of cash.
Learn about the tax window →Your first answer is ready