How to use Retirement Savings Projection

Enter starting savings, saving years and monthly contributions.
Set withdrawal years, monthly withdrawals and assumed return and inflation.
Review nominal and inflation-adjusted balances, depletion and unmet withdrawals.

Example: Retirement Savings Projection

Retirement Savings Projection: Final balance 0.00; unmet withdrawals 0.00.

You add

Starting savings: 1200 Monthly contribution while saving: 0 Saving years: 1 Requested monthly withdrawal: 100 Withdrawal years: 1 Entered effective annual return (%): 0 Entered annual inflation (%): 0

You get

Final balance 0.00; unmet withdrawals 0.00. Measure Value Savings at withdrawal phase start 1200.00 Total contributions 0.00 Withdrawals paid 1200.00 Requested withdrawals left unmet 0.00 First depletion month from scenario start 24 Final nominal balance 0.00 Final balance in starting purchasing power 0.00 Equivalent monthly return (%) 0 Constant entered effective annual return and inflation are converted to equivalent monthly factors. Returns occur first, followed by month-end contributions or withdrawals. Calculations retain full precision; displayed balances round to cents. Withdrawals are fixed nominal amounts, not increased with inflation. No tax, fees, market variability or fina Savings at withdrawal phase start | 1200.00 Total contributions | 0.00 Withdrawals paid | 1200.00

Options

Saving and drawing phases: Contributions occur at month end during saving. The drawing phase requests a fixed nominal withdrawal each month.
Return and inflation: Enter constant effective annual assumptions. Inflation adjusts reported buying power rather than automatically increasing withdrawals.

Supported inputs and limits

Saving and withdrawal periods total at most 100 years. Whole-cent starting balance, contributions and withdrawals up to 1 trillion. Annual effective return and inflation range from -99% to 100%. Monthly returns apply before month-end contributions or fixed nominal withdrawals. Inflation adjusts purchasing power. Unfunded withdrawals are reported without borrowing. Constant assumptions exclude taxes, fees, benefits and changing returns; this is an illustration.

Where your input is processed

This tool processes your input in this browser. Your text and files are not uploaded to UseFreeTools. Check this tool's limits for anything it may save on your device.

An illustration does not capture the order of market returns

The same constant return is applied throughout the scenario. Real returns can vary, and their order can affect a withdrawal plan even when an average looks similar. Taxes, fees, benefits and changing contributions are absent unless represented in the entered amounts. Unfunded withdrawals are reported without adding an assumed loan.

Questions about Retirement Savings Projection

Where is the return estimate obtained?

It is your input. The tool does not predict an investment return or recommend a portfolio.

What is an inflation-adjusted balance?

It expresses a future nominal balance in purchasing power at the start of the projection under the entered inflation assumption.

What happens after savings are exhausted?

The model keeps the balance at zero and records withdrawals it could not fund instead of allowing invented borrowing.

Project manager: Tony Hines · Content updated 4 October 2026 · Report a problem

Retirement Savings Projection

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