What the question involves
Whether you can retire at a given age comes down to whether your savings, plus Social Security later on, cover your spending for the rest of your life, through good markets and bad. Retiring earlier means fewer years of saving and more years to fund. Before 59½, most withdrawals from pre-tax accounts carry a 10% penalty, so the first years often run on taxable savings; and until Medicare, health cover comes from the marketplace, where subsidies stop above 400% of the poverty line.
What this tool computes
The share of simulated markets in which your money lasts to the end of the plan, if you stop working at the age you choose and at one and two years either side. Taxes, required withdrawals, Medicare premiums and marketplace subsidies are all in the run.
Every answer is a real run of the full simulator, on 1,000 simulated market paths in your browser. Nothing you type is sent anywhere.
What it leaves out
Five inputs cannot describe a household. The rest is a stated default: a typical mix of accounts, the demo household’s earnings and saving rate until you retire, an estimated Social Security benefit, no pension, no state income tax and steady spending. The full simulator lets you replace every one of them.
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This page explains how the rules work. It is not financial, tax or investment advice. Disclaimer