Retirement Fund Calculator

Currency

Examples

Scenario name

You

Your age

Stop work at

Plan until age

Plan past the average age people reach, since about half of them outlive it.

Saving

Saved so far

Put away each month

/mo

Raised with prices each year, so it stays level in today's money.

Retirement

Spending each month

/mo

What retirement costs in today's money, including what a pension will pay for.

Pension each month

/mo

A state or workplace pension, an annuity or rent you will receive, in today's money.

Pension starts at

Markets

Growth while saving

A typical year's growth before inflation, compounded.

Growth in retirement

Often lower, as a retiree holds more bonds and cash.

Inflation

Volatility

How far a year swings. Roughly 18% for all stocks, 11% for 60/40 stocks and bonds, 6% for mostly bonds. Past swings, not a promise.

Spending in retirement

Saved in this browser only. Nothing is sent to HourLife or anyone else, and there is no account.

Your savings, age by age, in today's money

Still funded, age by age

The share of the thousand markets in which the money is still paying, against the 90% line.

What would it take?

Each lever on its own, moved until nine markets in ten last.

Scenarios side by side

Up to four plans. Each keeps its colour on the chart, where the others show as dashed lines.

Year by year the steady line and the spread of the markets

Every amount is in today's money, before tax and fees. Market years are drawn at random around the growth you enter, not replayed from history. A way to see which choices matter most, not financial advice.