When do RMDs start in this calculator?

Required Minimum Distributions start at age 73 under current rules, and at age 75 for those whose 73rd birthday occurs in 2033 or later. The first RMD may be delayed until April 1 of the following year, which could result in two RMDs in that calendar year.

How does claiming Social Security early or late affect the plan?

Enter your monthly benefit at Full Retirement Age (often 67). Claiming earlier reduces the benefit; delaying increases it up to age 70. The calculator adjusts annual Social Security income based on your chosen claim age.

Does the tool handle inflation?

Yes. You provide an annual inflation rate. Retirement spending is entered in today’s dollars and then inflated during retirement so your lifestyle keeps pace with prices.

Are taxes modeled exactly?

No. Taxes vary widely, so the calculator uses a single effective tax rate to keep things simple and fast. For conservative planning, increase the rate a few points and re-run.

What if I have Roth and pre-tax accounts?

Combine balances with a blended effective tax rate, or run two scenarios with different balances and tax assumptions.

Can I export and share my plan?

Yes. You can download a PDF summary and a CSV of cash flows directly from the tool and share them without creating an account.

Retirement Savings Calculator (USA)

Retirement Savings Calculator — fast, private, no signup

Plan U.S. retirement with Social Security timing, SECURE 2.0 RMD rules, Monte Carlo success testing, and instant PDF/CSV exports — all client-side.

✅ No signup🔒 Client-side📄 PDF/CSV export Why no signup?

Inputs

Current age

Birth year

Retirement age

Life expectancy (end age)

Inflation (annual %)

Current savings ($)

Annual contribution ($)

Pre-ret. return (nominal %)

Post-ret. return (nominal %)

Desired spending in retirement ($/yr, today’s $)

Est. effective tax rate in retirement (%)

U.S. Social Security benefit at FRA ($/month)

Enter your estimated monthly benefit at Full Retirement Age.

Full Retirement Age (FRA, years)

Claim age (62–70)

Monte Carlo runs

Return volatility pre-ret. (σ %)

Return volatility post-ret. (σ %)

Disclaimer: Educational estimate. Not tax/financial advice.

Results

Success probability

—

Monte Carlo likelihood funds last to end age.

Balance at retirement

—

Expected-return scenario.

RMD start age / year

—

SECURE 2.0 rules applied.

↔ Scroll horizontally to view all columns

Year	Age	Start Bal	Return	Contrib	SS	Withdraw	RMD	End Bal

RMD uses the IRS Uniform Lifetime Table (ages 73+). First RMD may be delayed to Apr 1 of the following year.

Educational estimates only. This calculator does not provide financial, tax, or investment advice.

🧮 Retirement Savings Calculator — how it works

✅ No signup🔒 Client-side⚡ Fast📄 PDF/CSV export

Plan whether your U.S. retirement savings can sustain your lifestyle from retirement to your target end age, using assumptions aligned with U.S. tax rules, Social Security, and IRS RMD regulations.

🇺🇸 Who this calculator is for

U.S. residents planning retirement using 401(k), IRA, Roth IRA, or taxable accounts
Workers estimating Social Security benefits and optimal claiming age
Retirees needing to model IRS Required Minimum Distributions (RMDs)
Anyone stress-testing retirement plans using Monte Carlo simulations

📈 Main assumptions

Returns: Set expected (nominal) returns pre/post retirement. The Monte Carlo test uses your volatility (σ) to show a probability of success, not just one number.
Inflation: Enter spending in today’s dollars; the calculator inflates it each year in retirement to preserve purchasing power.
Taxes: A single effective rate keeps the model fast and transparent. Want to be conservative? Nudge it up and re-run.
Contributions: Annual contributions continue until your retirement age, then stop.
Social Security: Enter your monthly benefit at FRA; we auto-adjust for claiming early or delaying to 70.
RMDs: Required Minimum Distributions start at 73 (or 75 starting in 2033). Each year you withdraw the greater of your grossed-up spending or the RMD minimum.
IRS tables: RMD calculations use the IRS Uniform Lifetime Table as published by the U.S. Internal Revenue Service.

🔍 Reading your results

✅ Success probability: Share of Monte Carlo runs where funds last to your end age.
💼 Balance at retirement: Projected nest egg at the retirement age (expected-return case).
🗓️ Table & chart: Year-by-year cash flows, RMDs, Social Security, and ending balance.

💡 Quick ways to improve

Delay claiming: Try moving Social Security from 62 → 70 and compare results.
Boost savings: Increase annual contributions; add 50+ catch-up amounts.
Trim spending: Reduce discretionary items by 5–10% or only in early years.
Be realistic: Lower expected returns or raise σ a bit to stress-test.

🛡️

Privacy first

We don’t require signup. Inputs and exports stay on your device. For rare server tools (like OCR), files auto-delete within minutes.

❓ Frequently asked questions

📅 When do RMDs start?

At 73 under current rules, and 75 starting in 2033. The first RMD can be delayed until April 1 of the following year (which can cause two RMDs that year).

🕰️ Does claiming early/late change results?

Yes. Enter the benefit at FRA; the app reduces it for early claims and increases it for delays up to age 70, then flows it into each projection year.

📊 Does it handle inflation?

Yes. Spending is in today’s dollars and is inflated annually during retirement so your lifestyle keeps pace with prices.

💸 Are taxes exact?

No—taxes vary widely. We use a single effective rate for speed and clarity. For a margin of safety, add a few points and re-run.

🧾 Roth vs pre-tax?

This calculator supports U.S. retirement planning assumptions. You can combine Roth and pre-tax balances using a blended effective tax rate, or run separate scenarios for traditional IRA/401(k) and Roth accounts.

📤 Can I export & share?

Yes. Download a PDF summary and a CSV of cash flows—no account or email needed.

👨‍💻 About the Creator

I’m Sanjeev Kumar, a self-taught developer, SEO strategist, and digital creator from India.
As the Founder of OurNetHelps, I’ve built over 50+ online tools focused on simplicity, privacy, and performance.
With 10+ years of experience in SEO, automation, and web performance, I develop tools that help people work smarter and faster.

✅ Personally developed, tested, and maintained by me.

Author Profile • LinkedIn • Twitter

🕒 Last Updated: December 22, 2025 • Version 1.1
Explore more tools: PayPal Fee Calculator • Prorated Rent Calculator

⚙️ All OurNetHelps tools are manually verified and regularly updated for accuracy, performance, and privacy.