Add your pay, savings, loans and plans. See how much you need, your chance of success, how much you can safely spend, when you can stop work, and every year of your money until 90 and beyond. Any country, any currency.
Worked out in this browser. Nothing is sent anywhere unless you press the AI button.
State pension, Social Security, a work pension. Leave it at 0 if you have none.
Markets do not pay the average every year, and a crash in your first years of retirement hurts most. The planner runs your plan through 1,000 random market paths and through every start year of US market history from 1928 to 2025. The share that never run out of money is your chance of success.
The planner finds the monthly spending that keeps your chance at 80%, and the range from 70% to 95%. Spend near the middle; if markets push you out of the range, change course. It also finds the earliest age you can stop work, and how much more to save to reach your target.
See what comes in, what goes out, what you take from each account and what is left, for every year of your life. Click a year for its details. Switch between today’s money and future money, and download the table.
Slide your retirement age, spending, saving and shares, and watch the chance move. Try a crash the year you retire or a lost decade. Save each version as a scenario and compare them side by side, for example two job offers.
Year by year from your age today to the end of the plan. Every rule is on this page; nothing is hidden.
| Part | Rule |
|---|---|
| Money | You type amounts in today’s money, a month. Each future year is raised by your inflation rate. |
| Spending now | Everything you do not save or pay on loans, unless you type an amount (then what is left is saved). |
| Spending later | Your retirement amount, changed by age stages (for example 90% from 75), plus extra costs and big goals. |
| Short years | Taken from cash, then investments, then taxed-later accounts (your tax rate added on top), then tax-free accounts, or your own order. |
| Returns | Above inflation: shares 8.6% a year on average, spread 19.3%; bonds 1.8%, spread 8.9%; cash 0.4%. The single “typical” path uses the middle year of that spread (shares about 6.9%), because compounding the average every year overstates what a typical saver ends with. Fixed-rate accounts earn their own rate. |
| Chance | 1,000 random paths (log-normal, a fixed seed so the same plan gives the same answer), or the 98 start years 1928–2025 in order. Success = no year runs short. |
Market numbers: US yearly returns 1928–2025 (shares = S&P 500 with dividends, bonds = 10-year Treasury, cash = 3-month Treasury bill), from Aswath Damodaran, NYU Stern (updated 5 January 2026). Averages and spreads above inflation worked out by us from his yearly figures. US markets had a strong century; if you expect less, press Cautious (shares 5.0% on the typical path (a 6.8% average at the same spread), bonds 1.9%, the Bogleheads VPW rates).
Withdrawal rules: the 4% rule (Bengen, Journal of Financial Planning, October 1994); Guyton-Klinger guardrails (cut spending 10% when your withdrawal rate is 20% above where it started, raise it 10% when it is 20% below); VPW (the Bogleheads variable percentage withdrawal, to age 100). The 80% target and the 70% to 95% range follow the guardrail approach of the leading planning tools. Morningstar’s 2026 research put a safe starting withdrawal at 3.9% a year for 30 years.
Taxes are one rate for taxed-later accounts and one for gains, set by you. It is a planning tool, not tax or investment advice.
The planner runs your plan through 1,000 possible market futures. The chance of success is the share of them in which your money never runs out before the end of the plan. 80% means 800 of the 1,000 futures worked. It is not a promise: it shows how much room your plan has for bad markets.
The planner follows the guardrail idea used by the leading planning tools: about 80% is a sensible target, 70% to 95% is a safe zone, under 70% needs a change (spend less, save more or work longer), and over 95% may mean you could spend more than you plan to.
Yes. You pick the currency, and every amount is in today’s money. Market returns are set above inflation, so they work with any country’s inflation. Fixed-rate savings such as EPF, PPF or a bank deposit take their own rate. Helpers add common accounts and pensions for India, the US, the UK, the Philippines and Nigeria.
From US yearly returns for 1928 to 2025 published by Professor Aswath Damodaran of NYU Stern: shares 8.6% a year above inflation on average with a spread of 19.3%, bonds 1.8% with 8.9%, cash 0.4%. You can change them, or press Cautious to use 5.0% for shares and 1.9% for bonds.
The plan is worked out in your browser and saved in this browser, with a delete button, or in a file you download. Only the Explain my plan button sends the plan’s numbers, without names, and the page says so next to it. What you send to the AI is saved to ClapAssist so our tools can fill it in for you next time; see or delete it at clapassist.com/my-data/.
No. It is a calculator that shows what your own numbers and assumptions lead to. Taxes are a simple rate you set, not your country’s tax rules. For decisions about products, tax or pensions, talk to a licensed adviser in your country.
A common rule of thumb is about 25 times the yearly spending you want, drawn down at around 4 percent a year. This planner does the full sum instead: your real spending, inflation, tax, pensions or provident funds, and the years until 90 and beyond, then shows the amount and the year you get there.
Spend 4 percent of your savings in the first year of retirement, then raise that amount with inflation each year. It comes from a study of US markets, so this planner tests your own plan against thousands of market paths for your country instead of one fixed rule, and shows the chance it lasts.
ClapAssist is a Mac and Windows app that listens to your interview call and shows you what to say, including when they ask about pay. It stays out of screen share on every plan; only you can see it.
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