How long will your money last?
When the work stops, the income can't. Put in a few numbers and see your monthly income gap, and how many years your savings could cover it.
Retirement Runway calculator
- Monthly income gap
- Savings when you retire
- 4% guideline income
All figures in today's dollars, before tax. A simple estimate with steady growth: real markets go up and down, and taxes, healthcare and the order of withdrawals all change the answer. Education only, not financial advice.
Get early accessFive decisions decide your retirement income
Most of them happen in the ten years around the day you stop working. Get them right and the same savings last years longer.
- When to claim Social Security. Anywhere from 62 to 70, and the gap between them is large. Only about 1 in 5 people know their full retirement age.
- How much you can safely spend. Too much and you run short at 80. Too little and you live smaller than you need to.
- Which accounts to draw from first. The order you use your 401(k), IRA, Roth and taxable money changes what you pay in tax.
- Healthcare before and after 65. Retire before Medicare and you need a bridge. After 65, the choices are confusing.
- When you actually stop. Almost half of retirees stop earlier than they planned. A plan should survive that.
What Paid in Retirement is
A members' community for people within ten years of retiring, or just retired. Retirement planners, tax professionals and Social Security specialists teach, step by step, and you build a written plan for your own retirement income: The Retirement Runway.
Run your own business? You're welcome too. No employer plan, uneven income and a business that may be your retirement fund are part of what we cover.
Nothing to buy
We don't sell investments, annuities or insurance, and nobody here earns a commission from your choices. Just clear teaching and people at your stage.
Get early access
We're opening soon. Join the early list and we'll email you when the doors open, with founding-member pricing for the first members.
You're on the list
We'll email you when Paid in Retirement opens. In the meantime, the one number worth finding is your Social Security estimate at ssa.gov/myaccount.