Retirement Planner: how much you need and whether you are on track
- Enter age, monthly spending, current assets, monthly savings and expected return to see the nest egg you need and the gap
- Scenario comparison: put different retirement ages, savings amounts or return assumptions side by side
- Your data lives in your browser (IndexedDB) and is never uploaded; export an encrypted backup or back up to your own Google Drive
- PRO: Monte Carlo simulation with market swings, several plans side by side, custom assumptions, yearly data export and printable reports, and no ads across TTLB Tools
The basic calculation and scenario comparison are free. PRO is US$4.99 per month by PayPal subscription (cancel any time); in Taiwan it is a one-time NT$150 purchase for 30 days by credit card via ECPay.
Try it in the Retirement PlannerFree to use. Your data stays in your browser and no sign-up is needed.
Guides
- How much do I need to retire? Annual spending × 25, minus pensionsEstimate the nest egg you need with annual spending × 25 (the 4% rule), then adjust for inflation and pensions. With a worked example you can check yourself, and common blind spots.
- What is the 4% rule? Origin, assumptions and limitsWhere the 4% rule comes from (Bengen 1994, the Trinity study), what it assumes, and why longer or more cautious retirements often use a lower withdrawal rate.
- Monte Carlo simulation: reading the odds of a retirement planHow a Monte Carlo simulation uses many random market paths to estimate the chance your savings last, and how to read a success rate.
FAQ
Is the Retirement Planner free?
The basic calculation and scenario comparison are free. PRO is US$4.99 per month by PayPal subscription (cancel any time); in Taiwan it is a one-time NT$150 purchase for 30 days by credit card via ECPay.
Is my financial data uploaded?
Financial data stays on your device. The site only checks sign-in and subscription status, which contains no financial data.
How much money do I need to retire?
There is no single number. A quick estimate is yearly retirement spending × 25, minus pensions and other steady income. Your actual figure depends on spending, retirement age, pensions and risk tolerance.
This page is general educational information and a description of calculation methods. It is not investment, tax or retirement advice and guarantees no outcome. Check official pension and tax rules and talk to a qualified professional for your situation.