This app intentionally follows the spreadsheet layout. Swipe horizontally to see the full sheet on a phone.
Retirement Number Calculator
Lifestyle & Retirement Assumptions
Calculation Details
| Spending in first retirement year | |
| Years before guaranteed income | |
| Guaranteed income when it begins | |
| Spending when income begins | |
| Net annual portfolio need after income | |
| Long-term target when income begins | |
| Reserve for years before income begins | |
| Amount needed at retirement to grow into long-term target | |
| Retirement Number check | |
The bridge-year table is kept lower on this sheet for transparency. Most users only need the main result box.
Blue text on gold = editable input • Green text = linked from another sheet • Black text = calculated
Your Retirement Result
| Portfolio needed by age | | Future $ | Estimated portfolio needed when retirement begins |
| First-year portfolio-funded spending need | | Future $ / year | Spending funded from investments after guaranteed income |
| Monthly portfolio-funded spending need | | Future $ / month | Monthly equivalent of first-year portfolio-funded spending |
Investment Calculator — Portfolio at Retirement
Estimate how much your investments may grow before retirement. The calculated end balance automatically flows to the other sheets.
Investment Results
| Result | Value | Units | Interpretation |
|---|
| End balance | | Future $ | Calculated portfolio at retirement |
| Starting amount | | Current $ | Your initial invested balance |
| Total contributions | | Future contributions | Additional deposits, excluding growth |
| Investment growth | | Future $ | End balance minus starting amount and contributions |
| Retirement start year | | Year | Linked from Retirement Number |
| Retirement portfolio target | | Future $ | Portfolio needed for the lifestyle plan |
| Surplus / (Shortfall) vs target | | Future $ | End balance compared with target |
Monthly Savings Needed
Calculate the monthly contribution needed to reach the Retirement Number.
Savings Inputs
| Current age | | Years | Linked from Retirement Number |
| Retirement age | | Years | Linked from Retirement Number |
| Years to invest | | Years | Calculated |
| Portfolio target | | Future $ | Linked from Retirement Number |
| Current invested balance | | Current $ | Shared with Investment Calculator |
| Expected annual return | | % | Shared with Investment Calculator |
| Contribution timing | | Timing | Shared with Investment Calculator |
Required Savings Result
| Required monthly savings | | $ / month |
| Future value of current balance | | Future $ |
| Gap funded by new savings | | Future $ |
| Total new deposits | | Nominal $ |
| Implied investment growth | | Future $ |
| Status | |
Retirement Readiness
A simple comparison of the retirement target with the projected portfolio.
Retirement goal funded
Current status
Surplus / (Shortfall)
Additional monthly needed
Retirement Comparison
| Retirement portfolio target | | Future $ |
| Projected portfolio at retirement | | Future $ |
| Current monthly savings equivalent | | $ / month |
| Required monthly savings | | $ / month |
| Projected cushion | | Years of first withdrawal |
Withdrawal-Phase Inputs
Assumptions that drive the fixed Original Retirement Plan.
Withdrawal-Phase Assumptions
Key Results
| Planned first-year portfolio withdrawal | |
| Portfolio-funded spending need | |
| Withdrawal surplus / (shortfall) | |
| Retirement portfolio target | |
| Funding surplus / (shortfall) | |
| Projected ending portfolio | |
| Original plan survives? | |
| First depletion year / age | |
| Lowest projected balance | |
Original Retirement Plan
Fixed benchmark. Actual annual results do not rewrite this table.
Retirement Reserve Setup
Allocate planned withdrawals into cash, stable investments, and long-term growth.
Suggested Starting Allocation
| Cash reserve | | |
| Stable investments |
| Long-term growth | | |
| Total defensive reserve | | |
| Allocation check | | Should be 0 |
Withdrawal-Year Classification
Annual Retirement Review
Review one completed retirement year, plan the upcoming withdrawal, and compare current reserves with targets.
Completed Year Results
| Calendar year | | Year |
| Age during completed year | | Age |
| Original planned ending portfolio | | Future $ |
| Actual ending portfolio | | Current $ |
| Estimated investment return | | % |
| Ahead / (behind) original plan | | % |
| Current retirement position | |
| Upcoming retirement year | | Year number |
| Upcoming planned withdrawal | | Future $ / year |
Pay the Upcoming Withdrawal
Reserve Targets Before Withdrawal
Extra withdrawal test: Enter a specific amount below. It can only pass when the portfolio is at least 10% above plan, both reserve targets are fully funded, and the revised projection survives.
Annual History Log — Enter Actual Results Once Per Year
Retirement Projection
Actual results overlay the original plan; future years continue with the planned withdrawals and return assumption.
How to Use
Privacy: Your plan is stored only in this browser when browser storage is available. The app also works when browser storage is unavailable, but values will not persist after closing the page. Export a backup regularly.
Before you begin
- Start in Retirement Number and enter the lifestyle, timeline, and guaranteed-income assumptions.
- Use Investment Calculator to enter the current portfolio, contributions, and expected return.
- Review Monthly Savings Needed and Retirement Readiness.
- Set the planning horizon and retirement return on Inputs.
- Use Retirement Reserve Setup to choose cash and stable-reserve years.
- After retirement, complete Annual Retirement Review once each year.
Color guide
- Blue on gold = editable input.
- Green = linked from another sheet.
- Black on gray = calculated.
Backup
Use Export backup in the top-right corner. The exported JSON file can be restored with Import backup.
Important
This is an educational planning tool, not individualized investment, tax, legal, insurance, or financial advice.