Retirement spending need

Apply a replacement-rate illustration (modest, current, or comfortable) to current income.

This retirement spending calculator turns current income into an illustrated lifestyle target for how much money do you need to retire and what to do after retirement with spending.

Labels the illustrated state and tax-year pack. This tool’s numbers do not change with state income tax. Medicare, HSA, 401(k), and RMD rules stay federal.

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Nothing is saved. Leaving this page restores the example.

Example report

Illustrated results

Replacement rate used

80%

Estimated annual retirement spend

$76,800

Estimated monthly spend

$6,400

Current annual income

$96,000

Assumptions

  • Modest 70%, current 75%, comfortable 80% are simplified replacement-rate illustrations.
  • Actual spending in retirement varies with housing, healthcare, and location.
  • Rule year 2026: IRS federal income tax (2026-rev-proc-2025-32) and California state rules (2026-enacted-v1; progressive income tax). Medicare IRMAA, HSA, 401(k), and RMD tables are federal.

Educational planning software—not investment, tax, legal, Medicare, or Social Security advice. Projections depend on your inputs and assumptions. Optional professional review is separate when available.

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